WillisBack/dataset-financial-user-claim huggingface dataset:
We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.
The Kohl 's credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was incarcerated at XXXX metro corrections between XX/XX/XXXX and XX/XX/XXXX this can be verified call the jail and ask for records. I've disputed this with all companies. XXXX  is the only one that won't remove this. I've spoke with Kohl 's as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report XXXX  failed to pay even though they closed this account and charged it off YEARS ago.
I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.
XXXX ,  XXXX ,  XXXX ,   XXXX  , none just now looking at my credit report I had identity theft someone been using my social
NEW COMPLAINT NOT A DUPLICATE : LVNV Funding continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.
Federated Capital has continuously harassed me for over two years now to collect a debt from a credit card back in XXXX, that I was forced to drop XXXX credit cards when I lost my job at the XXXX in XXXX, then in XXXX XXXX the house I was living in burned down and I was homeless until XXXX of XXXX when I finally got subsidized housing -- - XXXX 

XXXX, AZ XXXX Direct Line : XXXX Help Line : XXXX XXXXXXXXXXXX this organization has sent over five letters to Federated Capital which Federated Capital completely ignored and continues to call me, send me letters, e-mails -- - and now I am getting phone calls from XXXX XXXX attempt to collect on Visa XXXX XXXX XXXX ( XXXX ) XXXX attempting to collect from a VISA back in XXXX for some {$5000.00} approximate debt -- - I am a XXXX Veteran existing entirely on Social Security and now I have developed XXXX and am XXXX for by the VA Hospital doctors here in XXXX Arizona
XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
On XX/XX/2014 I purchased a 2013 XXXX XXXX from XXXX XXXX XXXX tx they acquired financing from Santander consumer USA at an interest rate of 15.66 % approximately 2 weeks later they told me the finance company was not honoring the extended warranty cost into the financing because they wanted to keep my payment in a certain range, they called me in told me I could keep my truck, or have no vehicle unless I signed a new purchase agreement with a " higher '' interest rate charge the dealership/finance company backdated the agreement so it looked like the original agreement the new interest rate is 16.32 % on less money borrowed.
XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX  
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. 
I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request.
I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.
I have made a student loan payment to AES in the amount of {$280.00} every month for almost 15 years. Beginning in XXXX ( specifically XX/XX/XXXX ), I started to pay an additional {$300.00} per month which I expected to go to principal. Instead I was charged interest on my additional payment. When I called to complain, I was told if I combined the 2 payments, then the additional {$300.00} would go to principal. Beginning on XX/XX/XXXX I started making a {$600.00} payment per month. Again, I was charged the normal interest on the full amount and my additional payment did not ALL go to principal. I called again to complain and they told me since the interest is compounded daily, I would always be charged interest on an additional amount. This seems highly unfair and unethical to me especially given in my original promissory note it states, " I may repay all or any part of the unpaid balance of my loan at any time WITHOUT PENALTY ''
This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account.
experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN.
Items were not investigated. Contacted court house stated they do not report information to credit bureaus. Transunion stated they verified the information and it is not factual and is inaccurate.
I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges. 
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.
i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls
I wrote Experian, regarding XXXX XXXX debt Company, and that Company has falsified dates and amount of debt, and have not provided any document with my Signature, The debt is so old and I have no knowledge of the debt. So I asked Experian to provide a Copy of the debt to verify my Signature and to verify the amount of debt. They sent a letter telling me to verify my Identity, Which I Provided with a letter Dated XX/XX/2017. I received a new letter that said my dispute letter was not legible, and they need my personal information again. I had enough, I sent four rounds of dispute letters stating please send original document with my signature and they have been giving me the run around. Without properly verifying the debt to see if it is accurate.
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. You have 3 accounts that are both in dispute because they are not mine and I am demanding verification and validation of debt. PROVE THIS IS MINE. The balances are XXXX XXXX and XXXX. You are reporting the same balance under a different name on my XXXX report.
I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.
Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Filed a complaint before about how they were calling me over and over. They are still doing it and one person who called was talking about me being a beggar and I have it taped on my cell phone. I just got another call where the guy was ignorant and would not let me talk and kept talking over me. Told him to please listen since I will not argue and I will hang up. He stated I will hang up for you. The phone number was XXXX. I get about 5 different numbers that call me from all over, Florida, NY, Illinois, Philadelphia, north jersey, Arizona, and California. I am not sure why I am getting calls all over the place maybe it is to mask their phone number so you answer the phone. They do not seem to care about or want to wait till I go back to work and if someone tells me to go work in a convenience store again I am going to lose it. THey act like I am not trying to get a job over the summer. They are very ignorant and I am very stressed out since I am also losing my home.
On XX/XX/XXXX I received notice that Tidewater Finance debited my savings account in the amount of {$3000.00}. I have never had an account with them. I contacted Tidewater on XX/XX/XXXX, and manager XXXX XXXX acknowledged that I was not and have not been a customer or client of Tidewater Finance. Nobody I know has an account with that company, and I have certainly never allowed my savings account to be used for any purpose regarding Tidewater Finance. Tidewater took my entire life savings from my account without my authorization. I 've also had {$86.00} in fees incurred because of their unauthorized and unwarranted debit of my account.
XXXX   XXXX   DELAWARE did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCP A 807. False or misleading representations [ 15 USC 1962e ] As  they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against Equifax,   XXXX    &  XXXX  for not investigating nor responding to me as well, and taking no action when  BARCLAYS  BANK DELAWARE did not reply.
Beginning on XX/XX/2014, the Chase bank located on XXXX, CA XXXX began making monthly, unauthorized, donations to the Police and sherriff 's review. The donations varied from as little as {$35.00} to as much as {$390.00}. I only wrote one check, for a one time donation, then the bank took it upon itself to make arbitrary donations.
I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.
This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the erroneous account ( XXXX XXXX XXXX ) in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
I want to file a complaint against, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to XXXX XXXX XXXX XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX
Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.
I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.