WillisBack/dataset-financial-user-claim huggingface dataset:
I went online to get a free annual credit report from Experian. I paid {$1.00} on  XXXX   XXXX ,    2017 to  buy my FICO score the same online session. A few days ago, I called my credit card company to ask an unrelated question, and was told about a charge of {$23.00} from Experian (  XXXX . ) I called Experian to dispute this, and was told it was for a membership to their compan y Protect My ID . This is weird on more than one level. I already have been getting a complimentary report from some company, who know? My account has been hacked from  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and even through my payment for my husband 's hospital. ( I right clicked the last emailed Protect My ID so that I could find the original source, or who Experian was sending on behalf of, but there was only an " Anonymous '' as a source with that page. ) Why would I even need an Experian protection source? I have received those for months, and when I asked Experian, the  CSR said they do n't know who is paying. SCAM! The CSR said I could stop the membership they charged on my account, but I will not get the money back! SCAM AGAIN! She said when I bought the FICO score, that that was how they got my credit card info. I was supposed to cancel the charge I did not even know I was making within 7 days, or it would stay. SCAM! The culture of the day is for companies to send recei pts by email if bought online. I received no confirmation email about the charge for this product. They purposely, I believe, do not want people to know what they have charged.
I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX  or Transunion concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : XXXX : comenitycapital/mprcc- XXXX, XX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX XXXX XXXX- XXXX comenitybank/venus -XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX- XXXX XXXX - XXXX sterling - XXXX comenitybank/womnwi - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX XXXX : XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX TRANSUNION : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX
I have been paying my mortgage by direct withdrawal for the life of the mortgage approximately 15 years. I am now being harassed by XXXX that my mortgage has not been paid since XX/XX/XXXX. I have notified them that if my mortgage has been sold the new mortgage holder apparently not getting the money. This has now been going on for more than a month. I have sent letters to all concerned parties that I am aware of Freedom Mortgage, XXXX XXXX, XXXX, and XXXX XXXX. I have not been informed of what they are doing to correct this situation. On XXXX/XXXX/15 I received an email that again my payment will be coming out of my checking account on XXXX/XXXX/15 as has been the custom since the beginning of my mortgage. I also received a late notice for my tax bill which I received the XX/XX/XXXX and sent to the mortgage company the very next day. I am sure that my credit has been jeopardized and refuse to look as I do not want to get any more upset than I already am. At this point do not know who or where to turn.
I do not have a credit card with Target. This is fraud and was not opened or used by me.
On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.
In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. 

It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.
XXXX and Experian have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent on XXXX XXXX XXXX. The account was published as delinquent and a collection account on XXXX XXXX XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( XXXX and Experian ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
XXXX XXXX IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO XXXX XXXX.
During the relevant XXXX to XXXX period, I was a customer of Wells Fargo Bank in XXXX, MN, harmed by the banks unsafe or unsound sales practices, as described by the enforcement actions on or about XXXX, XXXX by Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau ( CFPB ). Wells Fargo was ordered to contact, and make restitution to customers who were harmed, such as myself, but has not contacted me. I am not a customer of the bank currently. The sales practices the OCC found to be unsafe or unsound included the unauthorized opening of deposit or credit card accounts and the transfer of funds from authorized, existing accounts to unauthorized accounts. In my case, I had Wells Fargo checking and savings accounts and WF branded visa debit and ATM cards. I worked then as a XXXX XXXX of several different agencies, had a low income, and wanted an account to deposit paychecks, receive direct deposit, receive tax refunds, and use an ATM, I found that money was constrantly shifted between accounts without my knowledge, causing overdraft and other fees, that wohk explode into negative balances, and I was having my accounts closed, then reopened without my knowledge or consent. Direct deposits, and scheduled payments would fail, my ATM card would be declined, or I would go to the bank Friday to make a paycheck deposit, and find that my ATM card and accounts would be closed. The teller would inform me that this was due to '' inactivity '', because I had not returned a " personal banker '' sales call, or they would have no explanation, but always cheerfully opened new accounts and cards in minutes. I had to go along of course if I wanted to have any money from my check that weekend. Until I saw this consent order I had no idea why this happened numerous times. Customers eligible for restitution include those who were financially harmed as a result of the unsafe or unsound sales practices. I was financially harmed as well as subject to needless hardship, and frustration. My bank was in a low income of XXXX XXXX, so I assumed Wells Fargo did not want my business, since I was not wealthy. I felt powerless to complain because I needed a checking account and ATM card, and feared WF would put me on the XXXX black list if I did not pay the fees and overdrafts and accept all these and  churned closed and opened accounts. I am concerned that Wells Fargo will try to shift the burden of the investigation on me, but it is not reasonable to expect a customer to provide the bank with records of acts done " without their knowledge or consent '', to make a claim, since by definition these are sales and internal records that are non public Wells Fargo has sole, exclusive access to these records, and it was apparently part of an internal sales commission program out of my control. For good cause shown, I respectfully ask your agency to investigate, facilitate my claim for restitution in this matter ; and advise me, or take any action on my behalf you find appropriate.
I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.
Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank
CFPB Reference # XXXX New complaint with the same company. I have not heard back from AFR/XXXX. 
Now they have just sent us a new disclosure statement, it is incorrect. Because of their error they are expecting us to pay almost one hundred dollars more added to our monthly payment because of shortage. I would think that they could not do anything with our account until this is correct. I have not heard anything back from them, I have called, written, emailed. Attached is my balance sheet of our escrow account. 
I would really like to get this taken care of. Thank you, XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
I started an investigation to dispute inquiries on my Equifax Credit Report. They initially sent me a confirmation email stated they started the investigation. Two days later, they deleted ALL of my inquiries ( which was exactly what I was expecting ). However, the next day, I called them because they also deleted over 30 of my paid accounts in good standing. The representative told me he would fix the problem and would add all of my accounts back on my report. The following day, I woke up to ALL the inquiries being reinserted back on my report. 

Its been 5 days and they have NOT notified me that they reinserted those inquiries back on my credit file and the reason behind it. If they had just removed ALL of the inquiries, why then AFTER I called because they made a mistake and removed positive accounts, did they reinsert the inquiries??? 

Per the FCRA 611 section B ii- the credit bureau must notify me within 5 days of a reinsertion of an inquiry to my credit report. They did not. I am submitting the proof of email, all deleted inquiries and reinserted inquiries, in addition to the FCRA guidelines.
Chase mortgage company is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus days late. Someone else 's account. My mortgage was always current and is now paid in full
In 2012 I filed for chapter XXXX bankrupcy. At the time of the bankrupcy I did not include my mortgage as I intended to continue making payments and reside in the property. My attorney, XXXX XXXX, at the time of bankrupcy filed paperwork with my home loan provider Bank of America to reaffirm the mortgage.XXXX Years later I decided to refinance my residence to get a lower interest rate and reduce my monthly payments as part of HARP. Bank of America is now telling me my mortgage was never reaffirmed and in order to do so will have to reopen the case. I got back in touch with my attorney who indicated reopening the case would cost a minimum of XXXX dollars out of my pocket and is difficult to do if BOA does not send her the reaffirmation paperwork, which they will not do until the case has been reopened. It was stated in emails from my attorney between BOA, that it was common practice that BOA does not reaffirm during the bankrupcy process. 
For XXXX years because of this, my mortgage has not been listed anywhere on my credit report.
In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its offer.
Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  XXXX
Experian is reporting an account on my credit report as having a 30 day past due AFTER account was DISCHARGED. The 30 day reporting has to be removed from my account according to bankruptcy law. 

However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ).
I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.
I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). XXXX XXXX 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.
I have never recieved service from XXXX. The phone was returned to company. XXXX was never activated. So this is a fraudulant attemp to collect a debt that doesnt exsist.
On XX/XX/XXXX at XXXX my daughter and I were contacted by XXXX XXXX XXXX Reliant Capital Solutions in Ohio . XXXX XXXX claimed that we owed ad debt in the amount of {$1100.00} to XXXX State University. I asked XXXX XXXX when did his office communicate with us about this money being owed. He claimed that his office sent us a notice of validation of debt on XX/XX/XXXX. XXXX. I confirmed we did not receive it. He told me we had to make payment in full by the end of business day XX/XX/XXXX. If we didn't my daughter would be reported to the credit bureaus. I told him i would like to dispute it and XXXX XXXX told me the dispute time is over. I would not be entitled to dispute the charges., I was furious. I told him I would call him back. Later that afternoon I contacted XXXX and spoke to a Financial Aid Rep. i was informed that the account was sent to collections on XX/XX/XXXX Not on XX/XX/XXXX as XXXX XXXX had claimed. they also researched the account further and said it could be a mistake. This debt was paid in XX/XX/XXXX. The reason for the additional increase is the cost of collections. 
I contacted Reliant again that afternoon and spoke to a supervisor. The supervisor confirmed the date of XX/XX/XXXX and confirmed that he would be speaking to XXXX XXXX about the misrepresentation of the debt. He also confirmed a debt validation letter would be sent out later in the week. As of today we have not received it. As a result of my conversation with XXXX XXXX I was so flustered and angry that I was not able to return to work that afternoon.
I have recently refinance my mortgage with Bank of America to a loan with XXXX XXXX. What i learned in this process is two things that i believe the banks are taking advantage of the public. These might be limited to BofA as i have only refinanced a loan with bank of America. The below is my findings : 1. I closed my refinance on for example, XX/XX/XXXX and on XX/XX/XXXX agents of both BofA and XXXX met to exchange funds. While during the day my BofA loan was repaid, i still paid a full day of interest to BofA and a full day Interest for my new loan at XXXX. I did not contact anyone regarding this but it does seem unfair that the consumer needs to pay interest to two banks on that date. Maybe i understand this because both banks need to have the funds available during the day but still was unsure if this is fair. Perhaps one of the banks should reimburse the other for the half day of funds use and this burden should not fall on the consumer. While it is only around 40 dollars in my case, across all refinances, this is a large amount of incremental interest earned by the banks. 
2. BofA 's agent received the cash via cashiers check and instead of wiring or depositing the cash overnighted it from XXXX XXXX to their XXXX office for deposit. Thus resulted in me paying an additional day of interest ( an additional day in which i have paid interest to two banks ). What BofA should do is stop charging interest the date that the cash is received by the bank of the banks agents. I contacted the BofA agent and BofA and while they did refund me, i believe this warrants further investigation since if BofA does this for all loans and borrowers are not as observant as me of the period of interest being paid, BofA is collecting additional interest then they should. Perhaps this is just an isolated incident but i am not sure it is. I am a sample size of one.