WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2012, the person at this number called my job. Call center at my job answered. The person told the operator that they were talking to me and got disconnected. The operator placed this person on hold and call me. He stated the person on the phone stated they were talking to me and got disconnected. The person side their name was XXXX. He placed me on hold the get more information. He returned to the line and stated the person was rude. I told the operator to transfer this person to me. I accepted the call the person stated, I knew you knew I was. I stated I did not. Person asked if my name was XXXX XXXX and said yes. The person if stay the address which he or she repeated and no because was not my address. They proceed to say you know I am and why am calling and I stated I do not. After this person got very rude at which I told them I dont know who they and please do called my job again. And they did, I would call the police report for harassment and hung up the phone. About five minutes later my husband called asking me if I know someone named XXXX and that he needed to contact me and have me give them a call. He stated that person read off several other people phone numbers that had which was my mother-in-law, my daughter, and a relative. 

I googled the number and is listed to XXXX XXXX XXXX. I have not applied for anything from this company. About two months my identity was stolen. I discovered this when I received an email from XXXX XXXX stating two computers had been shipped. I filed a police report and have been in the process of making sure I am reviewing my credit reports and notifying my credit card company and bank. So I dont know if this is someone using my information.
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Transunion via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Transunion is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for me.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX BANK OF AMERICA BANK OF AMERICA credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : BANK OF AMERICA XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Experian is reporting multiple Social Security numbers to my credit file ( XXXX that are not mine ) and addresses ( California addresses ) that does not belong to me. Also, they are reporting XXXX trade-lines for the same collection debt. They are reporting XXXX Disputes ( XXXX Bank ) for {$16.00}, XXXX and XXXX for {$16.00}, XXXX which are the same debt as XXXX Bank sold it to XXXX. This is deceptive and fraudulent practice as it makes it looks like I have XXXX bad debts when someone is looking at my credit file when it is indeed XXXX debt. I wish for XXXX of them to be deleted.
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.
I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks
The original Creditor had refused to close account and illegally charged late fees etc. This account has been paid in full and should be immediately be removed from my credit report. I have reached out to the Transunion on several occasions to have this issue resolved with no luck and lack of response.
In early XX/XX/2016, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX Florida. I returned the car on time, and paid all rental charges. The employee at the rental car did a walk-around and confirmed that there was no damage to the car. Approximately 30 days later, XXXX   insisted that I had caused {$640.00} dollars in damage to the car, which I did not. I have been through 3 different collection agencies for XXXX, and XXXX itself, consistently disputing the claim. The most recent collection agency, XXXX XXXX, sent a demand for payment two weeks ago on a claim that they know is invalid. They also sent a false credit report on the claim to XXXX. I have refused to do any business at all with XXXX  since this incident, choosing other rental car businesses.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.
I had my ATM card and while I was on vacation in XXXX XXXX some used my card and made several ATM withdrawals and make a lot of purchases in the USA while i was still vacationing in XXXX.
The fraud took place from XX/XX/XXXX thoughXX/XX/XXXX.
ATM withdrawal {$160.00} date XX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal XXXX date XX/XX/XXXX ATM withdrawal XXXX dateXX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal {$330.00} dateXX/XX/XXXX ATM withdrawal {$400.00} date XX/XX/XXXX Purchase XXXX {$44.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$120.00} dateXX/XX/XXXXPurchase-XXXX XXXX XXXX XXXX XXXX {$290.00} store # XXXX dateXX/XX/XXXX Purchase XXXX XXXX XXXX {$300.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$720.00} date XX/XX/XXXX Purchase XXXX {$820.00} XXXX XXXX date XX/XX/XXXX Purchase XXXX XXXX {$850.00} store # XXXX XXXX XXXX date XX/XX/XXXXPurchase XXXX {$1000.00} XXXX XXXX XXXX XXXX dateXX/XX/XXXXPurchase XXXX XXXX {$11.00} date XX/XX/XXXX Purchase XXXX XXXX  {$26.00} dateXX/XX/XXXX Purchase XXXX XXXX {$44.00} store # XXXX XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX {$94.00} date XX/XX/XXXXPurchase {$880.00} XXXX XXXX XXXX XXXX date XX/XX/XXXX
I keep receiving bills from the Portfolio Recovery Associates, LLC about credit that was offered to me in the XXXX XXXX of XXXX, XXXX, New Jersey the medical services and dental services I informed that the charges was not submitted to Health Insurance providers which are XXXX XXXX and XXXX and States of New York Medicaid and that this company brought the debt from the bank with my medical history and did not ensure that Medical providers had mad they payment for the treatment I made services request for the to submit this to Health Insurance they informed the do not do that they only responsible is collect the debt with proper insuring that the agency have process the treat in the company billing system is this legal for XXXX XXXX and XXXX XXXX to sell my medical treatment services date and what I was treated for with proper submitting to Health Insurance and is it legal for banks to sell you credit information to collection agency the information share was medical and should have been protect by Privacy Act and XXXX XXXX should also been protect by Federal Regulations Laws for Privacy and sharing of Banking products and customer information is this legal and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations.
I supplied a cease and decease letter to XXXX of the Skytrail customer service after numerous contact with the company informing them I would be off work due to injury. They continued to contact me after the notice via phone, text, emails and numerous voicemails at my employment. The calls have started as of XX/XX/2018 3-4 times a day, the cease and decease letter was email to the company on XX/XX/18 and I received and email from the company acknowledging receipt and they also stated they would continue collection calls on XX/XX/18. Today XX/XX/18 I have received 2 more calls.
I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in response.
Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell.
On XX/XX/2018 I deposited {$10000.00} by XXXX to open a new HSBC account based on a promise of {$350.00}. After it took HSBC an unusually long period to credit that electronic deposit, I wrote them via their secure message feature to complain and to memorialize that I only opened the account for the {$350.00}. Since then, I have sent more than a dozen follow-up messages asking when I would receive the {$350.00} and I was told it takes time ( app. 90 days and it's been app. 170 days ) until now, when they did not even bother to promise the {$350.00} or offer an excuse but said instead that I can have my money back less a {$25.00} " penalty '' that they never even disclosed.
Bank of America ( " BofA '' ) is scamming/punishing customers who dare to post public complaints on their XXXX page.
I have my XXXX year old mother 's power of attorney. After BofA convinced my mother to make me a co-signer on her accounts, claiming it would simplify things, I spotted charges she did n't recognize, and she was being charged fees she should n't have. The fraudulent charges were eventually reversed and the money returned to her account. The fees were waived.
My mother 's HELOC is at a different financial institution, XXXX XXXX XXXX XXXX ( " XXXX '' ). One month, there were insufficient funds in her savings account to make an in-house payment, so I requested BofA wire the funds to XXXX. Instead of wiring the funds as requested, BofA deducted the funds from my mother 's account, wrote a physical check and mailed it. When I complained to BofA that my mother 's payment was going to be late because of their actions, they refused to honor the check.
I recently discovered BofA was again charging my mother fees, this after they assured me all fees were being waived. I went into the XXXX XXXX branch and met with the branch manager. Some ( but not all ) of the funds were returned to my mother 's account. She was granted a six month waiver on future fees, and was told I could request the waiver be extended every six months.
The next day, I received an email from BofA stating the waiver for two months only and was not renewable.
Frankly fed up with the on-going problems with BofA, I posted a complaint on their XXXX page. They refused to discuss the problems with me, insisting I had to go to a separate " help '' page, a page which required me to give BofA access to my XXXX page. I refused. Then I received a XXXX Message from their " help '' desk. Again, they refused to discuss the problems with me, and directed me to log in to a BofA page which in not secured, has no security certificate, and is tagged as " deceptive. '' When I refused to login ( and provide my password ) to this " deceptive '' site, BofA 's employee attempted to goad me into inputting my information by accusing me of elder abuse.
Clearly, BofA not only as no interest in resolving customer 's complaints, they are actively trying to harm customers who complain publicly.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
On XX/XX/XXXX I reviewed my XXXX consumer credit report and discovered CHASE CARD had requested my consumer report on XX/XX/XXXX with out my knowledge or consent.
I qualify for and am enrolled in the Public Services Loan Forgiveness ( PSLF ) Program. In XX/XX/XXXX, I submitted my application through the federal government to have my account changed from an Income Based Repayment ( IBR ) plan to the Pay as you Earn ( PAYE ) plan. My loan servicer, FedLoan Servicing, based in XXXX, PA did not begin processing this request until XX/XX/XXXX at which point it placed my account in forbearance to make the changes to my account. They did not complete the update until XX/XX/XXXX. Because forbearance is not a qualifying status for PSLF, the 3 months that my account was in forbearance do n't count toward the 120 payments, pushing my eligibility date from XX/XX/XXXX to XX/XX/XXXX. 
Under standard repayment, my monthly payment is > {$1200.00} per month, resulting in approximately {$3700.00} additional dollars that I am liable for because of their failure to update my account in a timely manner. Additionally, placing an account in forbearance causes interest to be capitalized, which in my case resulted in {$1700.00} in interest being added to my principle balance.
I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.
XXXX Bank and XXXX is showing an inaccurate balance on my credit report. The vehicle was showing repossession and also the same balance as the value of the car. XX/XX/XXXX the vehicle was towed by my apartment complex for an expired tag and the tow yard sold the vehicle after 30 days. I have reached out to XXXX Bank to get the new balance and status on this vehicle that was never repoed and they refer me to there lawyer. Since then I have tried to get my balance but continued to dispute through all XXXX credit bureaus to get an accurate balance to fix any mistakes on my credit and have been unsuccessful. I even set up a payment plan with the lawyer XX/XX/XXXX but I advised I will not start paying until I get something in writing showing the vehicle was sold and what my new balance was. All the Credit Reporting agencies are not investigating properly and I need to place a complaint or my next steps will be to sue both the credit agencies as well as the creditor. I feel I am doing my part and spending hours of my time to attempt to pay what is due if anything is due I am getting no results.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.
We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.
I pulled my credit report so i can finally clear up my credit and the rep lisette was very rude and nasty towards me because she stated I took none of her calls when she tried to contact me which I have call block on my phone do to the phone number belong to someone else and if not in my contacts I explained to her I had insurance during those periods ive been scammed before and she said theres nothing they can do rude
I have a ongoing dispute that was file inXX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.