WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get a person bank account and have been denied by every bank due to being report to XXXX or XXXX. I understand that when an account is left in the negative or overdrawn that will affect the ability to get an account in the future and i have been working to get these problems resolved, but the last one i am trying to clear up is with Suntrust Bank. They have something on my banking history reporting fraud. I have tried countless times to contact someone that can tell me what this means and why it is on my banking background. Each time i call i am transferred over an over again and nobody can give me any answers and its becoming so frustrating. I opened an account at suntrust about 6 years ago for a XXXX my sister and I were starting together. We opened the account with a a check deposit that we received from the company called XXXX. The check was for about XXXX dollars. I opened the account and deposited this check and was told it would be held for 7 to 10 days because it was a large check and a new account. I understood an had no problem waiting. A few days later i received a notice in the mail that my account was closed and I would receive the money deposited by mail with in 30 days. When i called the bank to inquire why the account was closed i could not get an answer as to why and again was given the run around as to why they closed the account. It took me 3 weeks of calling and going in the bank to get the money we had deposited and due to them holding this large check an delay us getting the funds, our business suffered. We were a new start up bakery and were relying on that money to fill orders, buy supplies and fill orders from the XXXX promotion we had done. Once the account was closed i was unable to open an account any where else because suntrust reported to the what ever system banks check when you apply to open an account that i had committed fraud and my account was closed. Its been 6 years now an it still remains on my record and i have not had a checking account since. I just applied at XXXX XXXX and again was denied because of this suntrust incident. Im beginning a new business venture and need a bank account but do not know what i can do to resolve this issue. Thanks XXXX!
In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  inquiry on my credit report which causes  my credit score to d rop drastically
Ok, I have the proof attached from XXXX XXXX  ( my former lender ) that they mistakenly reported incorrect information on my credit report that is currently damaging my character as a good credit worthy individual.

I just want Experian to MOVE the DELINQUENCY and stop sending me my credit report in the mail cause it is not what I am asking for ... .. I tried reaching Experian to dispute and show them the Original letter signed by XXXX XXXX but i guess they are tired of me and blocked my privileges to dispute online and they never answer my call when im transferred to the dispute department.

This should be my final dispute!! What more do they need????
I moved to XXXX from XXXX XXXX in XXXX of XXXX, in which I signed a lease at the XXXX XXXX beginning XX/XX/XXXX. In XXXX of XXXX after only living there a few months my father fell very ill in XXXX  and I had to pack up my things and move back to XXXX. Within 3 weeks, he died on XX/XX/XXXX. I communicated effectively to my property management company with what was going on and they comforted me that everything was fine and they could find someone to sublet my property for the remainder of my lease. Just a few weeks following, I had a reported collection on my credit report for the remainder of the lease due and an eviction notice which I was not even aware of until an old neighbor and friend found it on my door. At the time as a recent graduate with mounting XXXX  student loans and minimal active credit this completed wrecked any progress I've made. Fast forward to today, they have now filed a judgement in my name despite serving me with any paperwork, any calls to try and make a payment plan or any authorization that this would be escalated further. I have hired credit repair services, sent letters, tried to call and nobody can even seem to produce my original documentation. I was naive to believe that they would have helped me in a time of crisis. This is now effecting my personal credit as well as my business as I can not finance equipment for my practice.
After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.
Portfolio Recovery has consistently called my cell phone number at various hours throughout the day, sometimes back to back but when I answer no one is on the other end. If I allow the call to go to voicemail, no message is left. I discovered that they were calling from various numbers after XXXX the phone numbers. I have contacted Portfolio Recovery asking that they validate the debt that they say I owe through email, certified mail, and phone but to date I have not received anything. This has been going on for several years and I would like them to cease all collection tactics and remove the collections from my credit bureau reports.
Someone used my Wells Fargo Visa card fraudulently and charged XXXX on the card without my permission while I was away in Florida. Wells Fargo contacted me to advise me that a XXXX Police Detective had contacted them to advise them that they arrested someone in possession of my card and that I need to contact this detective for further information, which i did. Afterwords I contacted Wells Fargo to file a fraud claim. They denied my claim stating that I had called them from a verified number to confirm certain transactions. I told them I never called them. I sent them copies of my phone bill showing I never called them. I sent them the police report. Then they said my voice was confirmed to match the voice that called to verify charges previously. I again advised them I never called them for any reason. They stated I called from this number XXXX. This is not my phone number. Now I am stuck with this XXXX bill which they refuse to dispute.
I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
My Name is XXXX XXXX, I reside in XXXX, XXXX. XXXX ; ( XXXX ) XXXX. I have a Home Mortgage Loan with a XXXX Bank called Umpqua Bank. In the last year they bought out Sterling Bank, and had to go through a huge Conversion, during this time my Loan suddenly started having all kinds of Servicing problems. I started getting all kinds of fees, then This year due to me being a XXXX Veteran, I get a huge break on my County Taxes, then i that same time I switched from one Insurance Company to another one. They could n't figure out the Escrow, with the Taxes because of Being a Veteran, then suddenly I owed {$500.00} more in my Escrow Account, when my whole Taxes went down alot, then they still ca n't get the Account right and they keep charging me money, with no one to answer " why, How ' where, when '' Etc. I called my XXXX VA Loan Dept. they advised me to get all of last years profile of payments, I tried 3 times to obtain it,. Due to the Conversion they have split up all the Services and the Loan Department is now in XXXX, XXXX. No Umpqua Bank In XXXX has any acess to Loan or Escrow files, I have to call up XXXX, then Loan Dept. ca n't see Escrow nor Vica Versa. I have been treated very poorly, and I truly believe there is something Illegal going on with my Loan. I desperately need help. I have paperwork, notes etc for you when you need them. 

thank you for Your time and Cooperation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. 
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.
PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..
someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam
Payment made XX/XX/XXXX was applied ~XXXX XXXX. I called to close my account and to receive a refund of the {$64.00} owed to me. I was told that the account would be closed and that I would receive my refund in 2-3 business days. The account remains open, and I do not hav the refund. I have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX by email, as well as a gentleman who assured me it would be refunded to me by today. I spoke to XXXX today at XXXX who transfered me to a supervisor XXXX who said that it had recently cleared their accounting department and should be in my account by the XXXX of XXXX. This is all unacceptable.
There are accounts in my credit report that do not belong to me and Experian is n't responding to my requests to investigate and remove them from my credit report.
My credit card  with Comenity/  XXXX   XXXX  was used at  XXXX   XXXX    XXXX    XXXX  on  XXXX   XXXX ,    2016 by  someone other than me. They told me that it is actually  XXXX  charges made one right after the other on the card and then shown on the card as  XXXX  charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in  XXXX   XXXX   XXXX   XXXX  ever and did not make any charges. I also explained that I was in   XXXX   that day  (  same shopping center ) and bought something and as always in  XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in  XXXX  and the first time, there were charges on my card from  XXXX   XXXX  area directly after I used my card in  XXXX   XXXX  FL. I was n't  XXXX  places at the same time  XXXX  miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that  XXXX  chgs made one after the other became  XXXX  charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.
Hello, I sign up for Citigold Checking account with XXXX thank you bonus points. It was supposed to post on my account on XX/XX/XXXX my bonus. Its already XX/XX/XXXX, I been trying to resolved this problem with them through email for the last 4 months. Can you please help me resolved this issue. I feel like they do n't want to honor there promotional offer to there customers. Thank you very much.
I signed up for the loan over the phone, I feel tricked as I did n't understand how much interest I would end up paying. I initially borrowed XXXX dollars, at the end of the loan I have paid nearly XXXX in 6 months. On XXXX XXXX I emailed the company stating I would no longer be paying interest on a loan that has been paid plus XXXX in interest. I recieved no response until XXXX XXXX when they took an additional XXXX from my account plus the monthly payment.
I have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after experian finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this resolved.
I have tried repeatedly to freeze our credit report account with Equifax. 

I first applied on line on XX/XX/18, but at the end of the process, I was told a pin would be sent to me, without which they could not freeze the account. No pin was sent. 

I then called them on XXXX on XX/XX/18, and after answering over a dozen security questions going back to addresses and accounts we had decades ago, I was told I had failed to answer his questions and had to verify my identity by sending them a large number of documents. Since I had answered all his questions to the best of my ability, I asked which I had failed so I could look them up, but he refused to tell me. At this point, I asked to speak to a supervisor. 

We then went through all the same questions again, with the same result. I felt that sending them the documents they requested was unduly cumbersome and uncalled for, and so I refused to send them, saying that I would file a complaint with the CFPB. 

I believe that Equifax is deliberately obstructing our ability to freeze our account as they are required to do by law and request that the CFPB investigate their obstruction.
Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.
On XX/XX/2018 I filed a complaint with Experian to remove a fraudulent account from my credit report. Both XXXX and XXXX  have recognized the account in question to be fraudulent and have removed it. The account is XXXX XXXX XXXX. I currently have an open complaint with the CFPB that XXXX has not responded to. I can not understand why Experian is the only reporting agency refusing to delete the account. Everyone else agreed this account is fraudulent. My credit is being held XXXX. I can not obtain housing with this fraudulent lein on my credit. If I owed this money it would have been paid long ago. They officially refused to delete it today XX/XX/2018. There is no reason for Experian not to recognize this as fraud. XXXX has provided no proof of they're claims. They are not responding to CFPB inquiries. They have not provided photographic evidence or any proof for that matter. This needs to be deleted immediately. I can not get housing. I am XXXX. I am on XXXX. I am a veteran. XXXX XXXX XXXX and Experian needs to do the right thing. You guys are going to cause me homelessness. By way of XXXX  and extortion. Please help.
Sometime in XX/XX/2018, I started receiving phone calls from XXXX XXXX , XXXX regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who XXXX XXXX is. 

on XX/XX/2018 I contacted XXXX XXXX, XXXX and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from XXXX XXXX as to how they have the account and to get my money back.
I have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.
XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  XXXX / XXXX / XXXX  )
I have been trying to transfer funds from a car buyer who insists that we use PayPal to complete the transaction. 
I find Paypal very deceptive in it 's description of it 's services. I have called PayPal customer service numerous times & never told the entire procedure to xfer money. For example : their web site allows you request set up for a " Friends & Family '' money transfer & send the request to the other party. However when the sending party tries to send the requested sum they get a message that the precipitant ( me ) is not a " Verified Member '' & blocks the transfer. 
This is true, to be a Verified Member I must provide Paypal with my Bank account information & they offer XXXX options : Instant Verification & a second method. I chose the second method because the Instant choice requires you acknowledge their " Term & Conditions ''. Upon reading it, I learned that I would be granting them a Power of Atty over my accounts & if I were to take legal action against them I would have to pay their legal expenses. Not acceptable & deceptive! 

When speaking to the Customer service people, who are very courteous but perhaps not fully knowledgeable, I was told, " that requirement was found in your Terms & Conditions Agreement ''. Upon further discussion with the last customer service rep. I press to find out if there were any other impediments to allowing this transaction go forward. I was told " I must confirm my email address '' before the transaction can go forward. 
Paypal allows people to start transactions but does not inform you that additional requirements must be met for complete approval.
XXXX XXXX current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX   oringinal account # XXXX XXXX ref XXXX XXXX phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  pa XXXX
This student loan company by the name of Great Lakes is charging me more than {$67000.00} in federal student loans. This corporation has increased my debit with these hidden fees like Capitalized Interest and so forth. The timeframe to pay this loan is unreasonable and not feasable. Great Lakes also reported this debt on all 3 credit reporting agencies without my consent and approval.