WillisBack/dataset-financial-user-claim huggingface dataset:
FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). GM Financial did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX, XXXX does not have any documentation, they need to retract this from my credit file immediately.
I opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns. 
I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid. 
She requested I send what I have to her of which I did. 


XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward. 


XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit. 


XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back. 


XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years. 


XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank. 


I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.
My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. XXXX XXXX XXXX is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
In their response to my complaint # XXXX Navy Federal Credit Union stated that they removed my name from account # XXXX on XXXX XXXX, XXXX as an additional card holder and notified all XXXX nationwide credit reporting agencies on XXXX XXXX, XXXX, which includes XXXX to update their information to reflect this new information. However, because my credit report from XXXX did not get updated as of XXXX XXXX, XXXX, I called XXXX to find out why and they told me that they have not received any communication from Navy Federal Credit Union. I was told that information by XXXX different persons at XXXX on the same day. My husband also tried to call the contact person from Navy Federal Credit Union mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX, XXXX my husband spoke to a credit card servicing agent at Navy Federal Credit Union to discuss the conflict between what they reported in their response to my complaint and what XXXX  was reporting to me and they stated they would re-submit to XXXX the updated information and notify my husband when that was done. There has been no response from them as yet.
Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.
On XX/XX/XXXX I received a letter from BofA asking for additional information to dispute a charge with XXXX, as well as documentation from XXXX. The letter stated that if this information is not received by XX/XX/XXXX, BofA will close the case. 
BofA failed to give me reasonable time to respond, and refused to review my case. 

BofA received a response from XXXX stating that customer picked the merchandise & also acknowledge the sale by signing on the POD. and the Merchandise is in Customer possession Customer need to return or exchange the Merchandise in order to get resolve the issue. We can not accept this charge-back until Merchandise was in Customers possession. 
This statement by XXXX is FALSE, however BofA did not address this even after I pointed it out. As supporting documentation to BofA CC services XXXX sent a document title PODSheet ( see attached ). It states that Orig. Deliver as XXXX to an address in Texas to a Company : XXXX XXXX , delivered a YEAR BEFORE ( XXXX ) I purchase the items. This is obvious NOT me. 

BofA has ignored FALSE information provided by XXXX, and instead provide virtually no time for me to respond. 

XXXX XXXX XXXX
I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.
I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ XXXX/XXXX/XXXX/XXXX
We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.
I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the situation.
Information reported by XXXX is contradictory. Transition credit report shows that this account was moved to collection with no history of being paid off. Then it shows the account was removed but it still is reflected as a collection account.
EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX and experian credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
All three bureaus deleted XXXX XXXX from my credit report at the end of XXXX. Within the next week of deletion XXXX XXXX XXXX appears on my credit report. There were no notification from this company that they were collecting any debt as a third party or anything. I requested a debt verification and a cease from collecting until the requested debt verification is verified by me. I do n't know if this company is licensed to collect debt. This company has not contacted or called me at all regarding this account.
All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested
Do to unforeseen circumstances we had to file bankruptcy in XX/XX/XXXX. The only month we were ever late on our mortgage was in XX/XX/XXXX when Carrington Mortgage stopped our automatic payments without notice. It took us 10 days to realize the payment was not pulled and we immediately made the payment by phone. We chose to reaffirm the loan after bankruptcy and on our XX/XX/XXXXstatement there was a {$120.00} charge but since we were not receiving statements do the bankruptcy they were unable to tell us over the phone what the fee was for. We were told by XXXX ID # XXXX that we could just pay the monthly amount and would not be charged any penalties or late fees on the {$120.00} and to fax a request in writing to find out what the fee was for. We faxed in the request and at the same time faxed in a request to start receiving statements again. Our XX/XX/XXXX statement came in and showed the {$120.00} was a fee for reaffirming our loan, is that legal? They also charged us a {$5.00} late fee for not paying the fee in XX/XX/XXXXalthough we were told there would be no late fees or penalties.
I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance. 

I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans. 

I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments. 

I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.
I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.
XXXX XXXX reports to the credit bureau every so often and even though this account is past the 7 year limit it is still listed on my report with Equifax.
I recently realise on my Best Buy c.c. That i been charge beside monly interest for payment protection incurance. I seen it years ago but i was new credit card holder and dint know much how it works ( i have best buy c.c since XXXX ). Anyway i disade to call casumer service and ask ( XXXX/XXXX/XXXX ). Thay explai that i am paying that just in case i am not able to pay min montly payment they cover it ... I dont think so i ever sing up for that service and i ask for refound ... She submite a claim form and i should have answer by 30days. I logg in today and saw refound of XXXX $ and XXXX $ ( Only ). I call again and have answer that i been charge for last tree months only and i have my refound back! Answer was i been charge for last tree monts only and i never been charge before! ( i dont know why would that seriuse company resove a problem with a lie ) .i been charge for a years for that service, and i want refound for every pany i payed without singing on and knowing that i been chrge for something that i never use or knowing what is it! Also i see that they change my acc # last year before change my acc # was ending XXXX
cWhen I was back in college, my main focus was college. When I finished my first year an came home, I started getting calls about a card I was not aware of. I was only XXXX and never knew anything about the card, but they still tried to make it seem like it was my card saying it will be sent to collections and doing scare tactics. I started paying on the card because they would not leave me alone. That is when I told them it was n't me and that I would not pay for something I did not do. The account was sent to collections and it has scarred me. They call me and ask me when would I like to make a payment but I am still not going to pay for something especially when I did not apply and physically receive the card in my possession. I would love to apply for a card but I can not do so until this is off from my name.
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Sunrise Credit a services added a file to my credit report. So I intially disputed it in XX/XX/XXXXas fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. Fast forward to XX/XX/XXXX I discovered that this company is not bonded in the state of California to collect debts owed or oherwise. It is illegal to try and collect a debt if the company is not registered with the California Secretary of State. This company is not even in Californias database.
Lexis Nexis has inaccurate information on my Public Record. I was a victim of a hit a run and they have it listed as " at Fault '' I have asked them to make the correction but they refuse to do so causing increased insurance rates. When I call them they give me pat responses and say they are reporting correctly and they will mail a report. I have been waiting 3 months and have not received a report. Here is a copy from XXXX Date XXXX XXXX XXXX XX/XX/2016 at fault accident 4 CLUE only XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX SS XXXX Florida DL XXXX
THERE ARE  XXXX  TRANSACTIONS  XXXX  WAS A RESERVATION THAT I MADE WITH  XXXX  THAT I GOT CHARGED TWICE, I GOT CHARGED WHEN I MADE THE RESERVATION THROUGH MY COMPANY CREDIT CARD AND THEN I GOT CHARGED AGAIN WITH THE PREPAID CARD WHICH WAS ONLY SUPPOSED TO BE USED FOR INCIDENTALS AND THE FULL AMOUNT WAS SUPPOSED TO BE REFUNDED AND  XXXX  CLAIMS THAT THE ONLY CARD I HAD ON FILE WITH  XXXX  IS THE PREPAID CARD ALTHOUGH I HAVE PROVIDED THEM WITH THE RECEIPT OF THE CHARGED MADE TO MY BUSINESS CARD AT TIME OF RESERVATION.     THE SECOND WAS FOR WHEN I FILED MY CARD AS LOST/STOLEN IT WAS USED AT   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   AND ALTHOUGH I PROVIDED THEM WITH A POLICE REPORT AND THE TRANSACTION WAS STILL PENDING WHEN I REALIZED THAT MY CARD WAS MISSING THEY ALLOWED THE CHARGE TO GO THROUGH SINCE I FILED IT THE MORNING AFTER IT WAS USED AND SINCE THE CASINO PROVIDED THEM WITH THE FOLIO WITH MY INFORMATION WHICH OF COURSE THEY WILL HAVE IT SINCE I HAVE A PLAYERS CARD WITH THEM BUT THEY DID N'T CARE TO MATCH MY INFORMATION WITH THE INFORMATION THEY HAVE ON FILE SINCE IT IS COMPLETELY DIFFERENT, I HAVE IT DIFFERENT FOR THAT PURPOSE  XXXX  HAS MY UPDATED INFORMATION WHILE THE CASINOS DO NOT AND THEY WOULD HAVE UPDATED MY INFORMATION IF MY CURRENT DRIVER 'S LICENSE WAS USED. BUT NOW  XXXX   DOESN ' S SEEM TO CARE OR WANT TO RESPOND TO MY DISPUTE, I HAVE PROVIDED THEM WITH NOT ONLY POLICE REPORT BUT ALSO ALL COPIES OF RECEIPTS FOR THE TRANSACTIONS.
I conducted an online purchase on XX/XX/2016. When the merchandise did not arrive within the published timeline on the Merchant 's website, I contacted them by email. I was advised they were a little slow, but rest assured, the items were on their way. Several more weeks passed, with no delivery of my order. There were several email exchanges and ultimately, I requested a refund. The Merchant then discontinued any additional correspondence with me and my request for refund. I opened a dispute claim with my bank, JP Morgan Chase. On XX/XX/XXXX, Chase sent me a letter that since it was greater than 120 days from the transaction, they would not pursue any further action ( it was day XXXX when I opened the claim ). I called Chase several times, even speaking with a Senior Support Specialist, and was told there was nothing they could do. I was then advised to contact XXXX regarding the matter. Guess what XXXX told me? Yep, call my banking institution! At this point, I am no longer interested in the merchandise that was ordered, I just want a simple refund.
While trying to buy a house, my wife and I fell victim to an email scam / wire fraud. My attorney 's email account was hacked, and I was sent phony wire instructions. I followed those instructions and sent over {$260000.00} from my account at XXXX XXXX XXXXXXXX to a fraudster account at Wells Fargo. Wells Fargo contacted me the next day saying that there were some red flags indicating fraud, such as the name on the account ( a personal account ) and the name of the intended wire recipient ( XXXX XXXX of NJ ), did not match. I called the XXXX XXXX   and confirmed they did not receive payment, then went to XXXX  XXXX XXXX to recall the transaction. We filed a report with the police and they were able to tell us approximately {$2000.00} was stolen, the rest was frozen in the account at Wells Fargo. After and a lot of phone calls, Wells Fargo completed their investigation. In order to transfer the remaining funds, Wells Fargo required a Letter of Indemnity, which would basically cover them if they were mistaken to remove funds from the fraudster account. XXXX XXXX XXXXXXXX refused to provide the Letter of Indemnity. They refused to provide it because they feel that they are  not at fault and will not accept the risk. We are unable to recover our money from Wells Fargo