WillisBack/dataset-financial-user-claim huggingface dataset:
I made a rental car reservation online through. I was not going to be able to use the reservation. I called XXXX to request a refund, they said my reservation was nonrefundable, non transferable, and no changes could be made. I called discover, my credit card company to dispute the charge. They called priceline on a XXXX phone call, and the resolution was my reservation would be canceled and they would provided a refund. I did not received a refund and disputed the charges with my credit card company, discover. XXXX canceled my reservation and did not provide a refund, and I was unable to use the reservation even if I wanted because it was canceled. It is my opinion priceline voided the contract/agreement by canceling my reservation and had a duty to refund my money. Discover said they would not refund my money even though I did not receive the services I paid for.
I have XXXX student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XXXX/XXXX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XXXX/XXXX/XXXX and taken over by XXXX.
I am XXXX XXXX XXXX and and suffering financial hardship because Chase Bank has frozen my account making it difficult for my to pay for necessities. I believe they did it because I was the victim of a scam. I was sent a check from someone who said he wanted to work with me on a project. I later learned he was a scammer and that the Check he sent me was bad. I had no involvement or knowledge that it was a scam. The bank has not resolved this timely and has frozen the account and is holding about XXXX. 

Please assist me with this matter as soon as possible. 

XXXX XXXX XXXX
I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.
I emailed you saturday, It was cryptic which decrepit DIVERSIFIED CONSULTANTS HEADQUARTERS IN XXXX AND OFFICES IN XXXX. I TOLD THESE XXXX, FROM ( XXXX ) 4 TIMES TO STOP CALLING ME, HARASSING ME WITH THEIR STUCK ON XXXX ( HANG-UP ) AFTER 1 RING. SPOOFING THEIR XXXX NUMBER FOR A PHONY XXXX XXXX COUNTY NUMBER. DO COMPETENT PROFESSIONALS ACT THIS CHILDISH AND XXXX?! # This fraud deceit malice XXXX is paid for by XXXX. I do n't owe XXXX anything. I will never pay these XXXX thieves.
I XXXX XXXX i been a Victim Of Identity Theft Someone Open a Credit Card Account With Bank Of America That I Never Open. I File A Police Report For This Incident. Bank Of America Claim The Account Was Open Since XX/XX/2012 with a Different address i never Lived or never associate. Bank of America Mark this Account on My Credit Report asXXXX Unpaid and i was not aware about the Identity Theft Situation i Have A Lawyer From XXXX XXXX they Tried to Communicate With Bank of America and they Started a Fraud Investigation Bank of America Denied The Investigation And Claim that the Signiture that was used to open the account it match and bank of america claims there was no Fraud there Was Several Item on My Credit Report XXXX Item Was Removed From my Credit Report Except The Bank Of America. I Never Signed Any Documentation To Bank Of America And The Signature is not Mines. Bank of America Does Not want to help With This Situation and they Have Made this Problem for me Really Difficult and They Are not Accepting the Documentation From My Lawyer Neither The Police Report..
My car was repossessed on XXXX XXXX, XXXX. I was out of work and could not keep up with my payments. I am now actively working and there will be no more issues. I was not notified by certified mail 10-days prior to the car being repossessed as required by Maryland law. I have paid all my past due payments and my loan is current until my next payment of {$460.00} is due on XXXX/XXXX/XXXX. The loan company is charging me a {$450.00} repo fee but since I was not notified that my car was being repossessed I am not obligated to pay this fee since I was not notified in advance. They will not release my car until this {$450.00} fee is to be paid. I have attached the only correspondence I have received from them which was after my car was repossessed. Also, attached are the receipts showing payment of the past due payments. Thank you.
I have reporting this before to XXXX and got no response. I have a police report and affidavit on file. 

Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX COUNTY OF XXXX  The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. 


Creditor Name : Fair Collections & O - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. 


I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..
" This message is for XXXX this is XXXX XXXX calling from the process division. I need to verify a current address as well as a place of business address to proceed against you at this time as you are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you oino the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX. and reference your case number XXXX '' I receive this message on a regular basis. The one time I called back they were rude when i wouldnt give them my SSN as well as stating they did not have to provide a leter when I asked for it.
There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed
I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report
I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.
I have contact Equifax and each company by certified letter requesting to remove the unauthorized inquiries on my report. I have received over 10 return to sender letters back as the address provided on my report are not to be found. I have also contacted Equifax customer service over seven times, spoken to supervisor and did get one representative that was willing to help remove the inquiries however the call dropped and each representative after that call refused to complete the deletion process. There are several unauthorized inquiries on my report primarily for auto-loans where a I had already a brad new car I purchased less than a year prior to the inquiries. I sent letters requesting supporting info from each creditor of my information, signature and proof of authorization which none of them provided but sent a letter stating the hard inquiry was factual and requested by these companies ; however they failed to provide proof to show that they were " factual. I am requesting that all unauthorized inquires be removed immediately or my next step will be to move forward with legal action. The inquiries are as followed : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2-XXXX XXXX XXXX XXXX XX/XX/XXXX 3-XXXX XXXX XXXX XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XX/XX/XXXX 9-XXXX  XXXX XX/XX/XXXX 10-XXXX XXXX XX/XX/XXXX 11-XXXX XXXXl XX/XX/XXXX 12-XXXX XXXX  XXXX XX/XX/XXXX 13-XXXX- XX/XX/XXXX 14-XXXX XXXX XX/XX/XXXX 15-XXXX XXXX  XX/XX/XXXX 16-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 17-XXXX XXXX XX/XX/XXXX 18-XXXX XXXX  XX/XX/XXXX 19-XXXX XXXX XX/XX/XXXX 20-XXXX XXXX XXXX XX/XX/XXXX
I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!
I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.
I discovered an account from XXXX XXXX on my Experian credit report. I have never conducted business with this company so I need this account removed ASAP. Contacted the company directly and was advised that documentation would be sent to me via email. As of today, I received no information. I have also filed a complaint with XXXX Case # : XXXX
I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed. 
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting. 
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander. 
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report. 

Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.
-X/X/17. I scheduled an online wire transfer of {$13000.00} through my bank Chase, to my dad 's bank XXXX. 
-The transfer was denied and I was charged {$25.00} by Chase for the wire. An additional {$45.00} was taken by XXXX. 
-I called and emailed to complain about the charge and missing money. Chase refunded the {$25.00} wire fee but would not do anything about the missing {$45.00} taken by XXXX. 
-I asked Chase to investigate the matter with XXXX . Chase later contacted me saying that the matter would have to be resolved by myself and the XXXX. 

I am contacting CFPB to complain about Chase, as their representatives were uninterested in getting my money back. I am also complaining about XXXX XXXX XXXX as they collected a fee without my knowledge or consent.
Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.
They stated they were trying to collect payment for an ambulance service and we were never in an ambulance or ever ordered one.
About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.
I have been working with Equifax to resolve several negative entries on my credit report. The problem is that some of the entries, that I dispute the origin of, have been sold to other collection companies who are also reporting the same negative entries. 
It has been difficult removing these duplicate entries because the only reply you get from Equifax after XXXX days is that they say they have verified this is " owned by you ''. They seem to be ignoring the other very pertinent information sent other than stating that the entry is disputed by the consumer. 
XXXX duplicate I asked them to remove is very obvious in that the original entry shares the exact SAME information as the entry made by the company they sold it to including dates, amounts and even the account number!! Yet the Equifax investigation I started found no problem with this duplicate entry and again just stated " we found this item belongs to you ''! This investigation took thirty days and was pointless since it ignored some very obvious facts! 
It is also very difficult to submit disputes with Equifax in that you are restricted to very few categories to enter your dispute ( For example there is no easy way to submit that a negative entry is a duplicate entry so you end up trying to guess which is the closest ) and it is is limited to XXXX characters and for some reason it rejects the use of a lot of the regular characters of punctuation ( For example the use of an exclamation point! ) and even numbers ( even though it states these are allowed )! The fact that you are not given a contact person means you are at the mercy of their very difficult and slow system and a XXXX sentence reply is not enough. To state, in your investigation " we have determined this debt belongs to you '' is insufficient when you have let them know for example : that a Cell phone company has put fraudulent charges on your bill when that same company is settling XXXX with it 's customers for that very same reason! Well they definitely " phoned in '' this investigation! 
These credit reporting agencies have a lot of power and literally hold our lives in their hands and should be held to a much higher level of accountability!
I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!
this company made a hard inquiry against me without notifying me. This was for airline tickets. I contacted the bank that did the inquiry hoping to fix it and they denied all actions. Syncb Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Syncb XXXX, FL XXXX ( XXXX ) XXXX I have tried to contact the credit burues but they just give me a run around
I have asked Caine & Weiner to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.
In recently checking my personal credit reports with the credit reporting companies, there is Public Record derogatory that I am challenging as inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. In my case, the action concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction and therefore not fully satisfied. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's objectives and I am requesting that the CFPB advocate for me in this challenge.