WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.
On XX/XX/2017 I made two different transactions for selling my virtual currency Bitcoin and Litcoin through coinbase. 

The first transaction was for {$260.00} of bitcoin -reference # XXXX The second transaction was for {$130.00} of litcoin XXXX reference # XXXX The money was supposed to be directly deposited into my checking account. The company has not responded to this issue.
My Bank of America Checking account was closed without explanation. They let me keep some of their other banking products.
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
On XXXX XXXX, XXXX, I called XXXX Vacations and purchased an all inclusive stay at a resort XXXX nights. I was suppose to receive an email with the receipt and access to book to the hotel. I never received the email. I called the merchant few times to verify my information and the guy on the phone kept telling me that it will come, it will come etc. It never came. I noticed the charge on my account and immediate report the activity to Wellsfargo.
Wellsfargo told me that since they received a sign contract that I was liable for the charge. I never signed any contract. I never received any email. I call Wells Fargo has the card cancelled and proceeded with there dispute department ( all of which they claim is recorded and document ). The lady on the phone told me that " no one would care that Wellsfargo was stealing from me. '' Please see the attached. 

My signature is very distinct. I have worked on it since I was XXXX years old. The loops in the cursive XXXX XXXX I get from my mother. My bother also does the same thing. Please see attached.
I received a voicemail this morning from  XXXX   XXXX  a t Recovery Management Solutions.      I returned the call and  XXXX   XXXX  informed me that a civil action was going to happen soon for a debt of {$840.00} which was incurred in  XXXX  to   XXXX   XXXX  . I explained that the contract in question was fulfilled as of  XX/XX/XXXX . I further explained that the collection amount was for a contract renewal which I had not requested and for a service I never received. In  XXXX  I went through BBB mediation and the amount was subsequently removed from my credit report by  XXXX   XXXX .      XXXX   XXXX  informed me that  XXXX   XXXX  had no right to do this, that the company he represents now owns the debt, and that they could take action to make the charge appear on my credit report again. He informed me that I had until Tuesday to respond to an email he was sending and he would then decide whether or not to take civil action.     I sent the following email : " I do not acknowledge this debt.     The terms of the contract were fulfilled. The amount in question is for an " auto-renewal '' that occurred after the initial 36 month term of this contract. This auto-renewal occurred despite multiple requests to cancel any further services.     Through Better Business Bureau mediation for an amount owed, the company agreed this was an invalid charge. Complaint #  XXXX .     Given that this is not a valid debt and that the statute of limitations is in force, I would ask not to be contacted about this again.      XXXX   XXXX  ''
The interest rate on my loan has been increasing by 1 % every week ( XX/XX/XXXX-XX/XX/XXXX ). I requested a document to view this increase and an explanation as to why and Navient responded saying they sent in a document in my account and that was not true.
This situation started on   XX/XX/XXXX  after rec eived a fictitious/scam email about participating in a   XXXX   XXXX   program. The email appeared to come from a former colleague, but the email was hacked. Fast forward - on   XX/XX/XXXX  , I deposited a check into my  XXXX  account for {$2800.00}. The supposed purpose of this check was to complete a   XXXX   XXXX   assignment. The person who sent me this check,  XXXX   XXXX , was creating a scam under the name    XXXX   XXXX   XXXX  , who  is a real company and I received the invitation through a hacked email from a former colleague.     After I began receiving signals that made my uncomfortable, I told this gentleman that I was uncomfortable and would like to return the {$2800.00} that was deposited by check into my   XXXX    account o n  XX/XX/XXXX . H e told me to send the money back by wire/ACH using  Wells Fargo  bank,  XXXX   XXXX , Acct :  XXXX , routing number  XXXX . I initiated this request the morning  of  XX/XX/XXXX  fro m my  XXXX  account.     Unfortunately, the morning of   XX/XX/XXXX  I rece ived word from  XXXX  that the original {$2800.00} check deposit o n  XX/XX/XXXX  was  rejected due to an inactive or non-existent account. ... thus scamming me by the creation of the wire/ACH t o Wells Fargo .       XXXX   XXXX   XXXX   verified this person does not work for this company and that it was is a scam.     I am trying to do everything I can to freeze the {$2800.00} of funds that was se nt to Wells Fargo  account  XXXX  in response to the fraudulent activity of the account owner.     For the record my reference to my FTC complaint is  XXXX .
I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX.
i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM
I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.
We had a garage fire XX/XX/2014. At the time of the fire the home was in foreclosure. Damage over 5k and the insurance company makes the check out to the homeowner and the lender. We were told if we signed the check over to the lender and had a licensed bonded contractor while in foreclosure they would release funds, in three payments. The contractor stole our money. The lender told us that once the loan modification was done they would release the funds directly to us and now they wo n't give us our money. We want to sub contract out and allocate the funds ourselves. It is my money and they wo n't release it without a new contractor. For obvious reasons, we do n't trust contractors and ocwen wo n't give me my money back.
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX, XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Trans Union several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. 
I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.
XXXX 2017 I contacted Trans Union about identity theft and their credit reporting that displays ancient information ( closed accounts ) and incorrect information regarding several accounts in my file.
Trans Union refused to make notation or correction of the items I disputed. In fact informed me that I had to contact the companies and provide information back to them. The other credit agencies XXXX and XXXX  corrected and deleted the same erroneous information on my credit reports.
I believe Trans Union has the responsibility to contact the company that provided the information to them to confirm its accuracy. As well all the credit companies especially Trans Union, who arrogantly prides itself as '' we are more difficult than the other credit agencies '' ( is what they stated to me ) should not be allowed to take any company 's word that a consumer is irresponsible, without proof, when a dispute is made. Trans Union should be made to require documents ; i.e. signed contracts and or agreements to confirm company reporting is accurate.
I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.
My name is XXXX XXXX. I was born XXXX - called XXXX since elementary school. I have my certified birth certificate, my driver 's license and my social security card. 
I sent copies to the credit reporting agencies. I was a victim of identity theft when XXXX and I wanted to clear a reference to XXXX that has been showing on the credit file. XXXX resolved the matter but Equifax send a letter in response to my certified request and attachments. In the letter dated XXXX XXXX, 2016, Equifax makes a request to send the identical information and attachment again. I would appreciate assistance so as to not create repetition.
I have repeatedly verbally requested them to stop calling me while I 'm at work and that I am paid XXXX and would be able to make a payment arrangement with them at the beginning of the month after I am paid but they continue to call XXXX times per day.
In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was. 

The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.
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 . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis 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. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
As of XX/XX/18- Gateway Finicial Solutions stated I did not have a bill due at this time for the month of Nov. I called multiple times stating that the automatic system is saying that I owe XXXX dollars for this month. On XX/XX/18 the day after my new due date of XX/XX/18 it is now stating that I owe {$470.00} due for XX/XX/18. According to the loan terms of this company you are not given a grace period & they have the ability to stop your car from working as well as repossessioning your car for being 2 days late.
I applied for he XXXX Visa Credit Card because it advertised a {$200.00} credit towards your fist purchase of a ticket as well as XXXX points after spending {$1000.00} in the first 3 months. I was in process of booking a flight when I saw the promo and so applied for the credit card and was approved. I used the credit card immediately for a ticket that day but didn't receive a {$200.00} credit towards the ticket as advertised/ Afterwards I found out they wouldn't give it to until after 90 days and would be a statement credit. I paid towards the ticket, of course received finance charges waiting for the credit. Which is deceiving customers. in addition, I spent the {$1000.00} quite quickly and well before the 3 months was up and yet to have received the XXXX in points that was advertised. When I called they stated I would get it next billing statement and then the next time told me XX/XX/XXXX, I still didn't receive and now when I call them, they tell me that I am not going to get it at all now stating that it is either {$200.00} credit or points not both but this was not what was advertised, FALSE ADVERTISING and clearly XXXX is worth much more than {$200.00} and the promo was for both. This bank needs to be investigated for FRAUD. They trick you into applying and then don't give you what was promised.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.
On my XX/XX/XXXX billing statement the company had moved the billing cycle date and I missed paying off the entire balance by {$74.00}. 
I noticed this and paid the interest due and the entire balance the following billing cycle on XX/XX/XXXX. The interest charge was {$10.00} which seemed in line with the 14.99 % rate so I did not question it. 
on XX/XX/XXXX I noticed another interest charge for XXXX. I called the service line. They told me that because I missed paying off the {$74.00} on my XX/XX/XXXX billing cycle that I would be charged interest on my average daily balance card use. So even though I paid my account in full they said they had the right to charge me interest on all of my purchases for 2 months using their average daily balance interest calculation .... 
After 3 phone calls they agreed to take off the interest charge since I always paid my account in full for 2 years and they moved the billing cycle dates.
On XX/XX/2017 Quicklen Loan gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
I have frequently received letters from a company, now located in XXXX, CA, called Portfolio Recovery Associates , LLC, for a credit card someone had issued from XXXX. I have filed an alert with the credit bureaus because my social security number was stolen XX/XX/XXXX ( I replaced my social security card in XX/XX/XXXX ). At that time, XXXX closed the account it had issued and I became a customer of the XXXX XXXX XX/XX/XXXX. My card was then bought by XXXX XXXX bank and I still use it today. However, I continue to receive letters from Portfolio asking me to pay off the card previously cancelled and closed by XXXX.
Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.
in order to refinance our VA loan with  XXXX   XXXX   XXXX   XXXX , we took the equity in our house and   XXXX   directly paid off our outstanding balance to Discover Bank. They have taken the money back in  XXXX ,  XXXX  or  XXXX  and still report the debt as outstanding and have consistently failed to clear the account with the  XXXX   XXXX   XXXX   XXXX . I have contacted the court and they can take no action until Discover Bank officially reports the debt paid in full. I feel that Discover Bank is purposely delaying legal reporting in retribution to actions I have taken against them and feel that they need to be held accountable for their inaction.
In regards to : UNFINISHED BUSINESS ( Navient ) US DEPARTMENT OF EDUCATION, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for US DEPARTMENT OF EDUCATION to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
I submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.