WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.
Transunion needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX
Hello I attempted on several occasions to fix the errors on my report! I work extremely hard to pay my bills and also to keep good credit! I can not get a mortgage with XXXX XXXX because of these accounts that do not belong to me! I have submitted and am desperately seeking a resolution, please see the following accounts that do not belong to me! XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  XXXX. All of these accounts have been sent in to all three credit reporting agencies and have been notified that they are no mine! Please Remove them inorder for me to obtain my life back!
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
I sent a complaint XXXX MONTHS AGO any Green Tree has not completely responded to my request!!! My MIP has not been removed yet! I need this to be removed ASAP
Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.
I am writing to you today regarding my account with XXXX XXXX XXXX. It would seem that XXXX has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at XXXX XXXX if onXXXX pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, XXXX XXXX XXXX has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( Experian, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/XXXX resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.
On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?
I was a victim of id theft so i wrote the credit bureau. Its been over two months and I have not heard from them. I addition the fradulant accounts are still reporting on my credit
Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.
I discovered that Wells Fargo opened a checking account without my authorization in XX/XX/XXXX in conjunction with my obtaining a mortgage through Wells Fargo. I only learned about the account when my mortgage was paid off and I received a statement stating that I owed {$30.00}. I called Wells and was told that the checking account fee had been waived for the 9.6 years I had my mortgage but that the {$30.00} fee was being assessed since my mortgage was paid off XX/XX/XXXX. I never knew I had a checking account with Wells Fargo. I finally convinced a Supervisor to close the account. I am reporting this since I never knew until now that I was one of the unauthorized account holders.
I have a problem with a late charge. my due date was XXXX 2016.could not make payment online. I made my payment late XXXX XXXX over the phone with customer service. 
She waive the late charge because I was never late. 
But because the statement was generated in XXXX I made payment of my regular payment. Since XXXX I have called and customer service service would waived the late fee. I was given a min payment and pay that payment on time. But get a statement eve ever month even after calling and given a min payment. 
Barclay would still not correct the statement and I would be late because the sTATEMENT REFLECTS A DIFFERENT PAYMENT THAT WAS TOLD TO ME OVER THE PHONE. 
iT SEEMS TO ME EVERYTIME I WAS TOLD THEY TOOK THE LATE CHARGE OFF IT WAS PUT BACK ON BECAUSE THE STATEMENT DID NOT REFLECT WHAT WAS TOLD TO ME OVER THE PHONE. 
SO MY MIN PAYMENT IS HIGHER THEN IT SHOULD BE AND BARCLAY WO N'T FIX THE PROBLEM I WAS LATE ONCE ' DUE TO THEIR WEBSITE. BARCLAY IS NOT TAKING OFF THE THE LATE CHARGE AND NOT CREDITING THE STATEMENT CORRECTLY. 
THIS HAS TO LOOK INTO FOR FRAUD
I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.
I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.
I do n't know who they are, they call and when I answer it 's a robot call. I have no payday loan debts.. I 've paid all of mine off
Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud. 

The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.
I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.
It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.
I have a derogatory account reporting on my credit for a credit card that was XXXX in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was XXXX
On  XXXX / XXXX /   2017  RS  Clark and Associates wa s in a receipt of a letter disputing alleged debt they were reporting on my credit reports in the amount of {$87.00}. Per the FDCPA, this debt collector must sent proof that this debt is owed with 30 days of my request. Till this day, this company never responded to my request and it has been well over 30 days. Under the FDCPA, a debt collector must cease collecting debt until they have been able to properly verify this debt to the consumer. RS  Clark and Associated  failed to comply with this regulation and ignored my request but continued to send updates to my credit reports. I am showing this company sent an update on  XXXX / XXXX  /2017 to  XX/XX/XXXX  and still has failed to send me the information I am requesting. This is  a direct violation of my rights. This debt does not belong to me and I have NEVER done business with this company and do not intend to.
ELAN SHOWS UP O  N MY CREDIT REPORT.
THIS IS NOT MY ACCOUNT!     SEEMS TO BE FRAUD.
I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ).
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and Transunion credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
I had a Citibank credit card for several years which I cancelled in XX/XX/2018 XXXX last 4 digits of card were XXXX XXXX. There was never a late payment during this period although balances frequently ran in 4 figures ; during this summer I was allegedly late by 1 month on a {$57.00} balance. I spoke to Citibank employees both at their branch in XXXX XXXX, XXXX and over the phone, and was led to believe that they had agreed to waive late charges and interest on this account in return for my paying 2 merchandise charges which the bank had accepted after cancellation of the card -- the bank did not honor this agreement. I have received constant bills for late charges and interest on this {$57.00} transaction, and these have now totaled over {$100.00}! In addition, I now receive almost daily robot calls harassing me for payment. I am XXXX XXXX XXXX and have certain XXXX conditions which are exacerbated by this constant harassment by Citibank.Their charges are obviously excessive, and as a matter honor I will not pay them. I will cancel my checking accounts at Citibank and want assurance that this annoying invasion of my privacy will ceas
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
I received a an application to apply for a credit card 0 % APR * ( defined by the fine print : * The 0 % APR applies to balance transfers made within 60 days of account opening and for 20 months from opening the account. A balance transfer fee of 3 % of each transfered amount will apply ). After completing the arithmetical calculations it turns out the APR is 1.8 % not 0 % So right there the US bank exposes itself as fraudulent because when you charge a fee the APR cis not XXXX. I contacted US bank and they keep repeating the same line, even though their website explains the difference between interest rate and APR ver cleary. 
Thank you, XXXX XXXX
On XX/XX/26 I contacted Wells Fargo on the phone and in person about my account access being blocked. I was told a fraudulent check from XXXX  had been deposited. I was told the check was not paid by the XXXX bank and I needed to contact them. I was warned that the bank may choose to end their relationship with me if it happened again. I immediately called XXXX at XXXX. He contacted his bank payment people. They said the check had never been submitted for payment. XXXX said he was willing to tell them this. I went to a branch in person. They could not tell me why or what happened. Only that my account was overdrawn and they would not reverse the fees. My account was overdrawn because they were taking money out to move to savings, plus They did not request a properly deposited check be paid. In addition, they would not tell me why the check had not been submitted to XXXX, or give me any records i requested. This was at a branch location in XXXX, CA. I gave up and successfully deposited my check to XXXX without incident and was immediately able to access those funds. I believe this is stealing at the most despicable level. I was not treated with any kind of dignity or respect. Even at the branch office I was greeted by a security guard.
LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner
Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you.
I received a debt collection letter from Transworld Systems Inc. for an alleged debt that I do not owe. I called Transworld Systems and their customer service agents were rude, hostile, and deceitful in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Transworld Systems , Inc. I do not owe them any money. Transworld Systems Inc. has flagrantly violated the Fair Debt Collections Practices Act.
The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.
In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.