WillisBack/dataset-financial-user-claim huggingface dataset:
I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my Equifax and XXXX report, all derogatory items that I disputed were dropped from my XXXX credit report due to the fact that they could not be properly verified but again, remained on my equifax and XXXX. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my equifax and XXXX credit file be removed immediately. 

Equifax & XXXX XXXX : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Three months ago we secured a {$100000.00}, fixed rate mortgage from Sierra Pacific Mortgage Co. in XXXX XXXX. The credit scrutiny we received was unbelievable. It was a full time job providing all the proof and letters and photocopies of bank statements and drivers licenses. After a full month of this intense documentation we got our loan and were presented with a pile of documents to sign that was about XXXX inches tall. It is ridiculous to think anyone could possible read and understand all of the documents that were presented to us that day. We were shocked to find that two weeks later Sierra Pacific had sold our loan to XXXX XXXX in XXXX and two weeks after that XXXX sold the loan to XXXX XXXX in XXXX. WE HAVE ONLY HAD THE PROPERTY FOR THREE MONTHS AND WE ARE ON OUR THIRD LENDER. I would like to know if there is a limit to this loan selling. Each time this happens we have to send more documentation to have the payments " auto deducted '' from our checking, Meanwhile all of our credit information is travelling from company to company all across the United States, I want it to stop.
XXXX XXXX XXXX XXXX XX/XX/18 {$19.00} XXXX XXXX XXXX XXXX XXXX XX/XX/18 {$13.00} XXXX XXXX XXXX XX/XX/18 {$20.00} More for less XXXX CA XX/XX/18 {$13.00} Unauthorized charges were made on my account not be me or with out my permission I have my debit card pin written on the card anymore could have took it out of my bag in my car and used it. They told me I have to pay because I made changes from the town I live in XXXX  and XXXX are the two towns I shop in my bank is located in XXXX ca. I don't shop nor live in XXXX XXXX CA or XXXX  CA. They should request to view they taps
American Express has my cellular phone number entered into their robocall system. They call multiple times a day 7 days a week, all from random phone number. This is annoying and I consider it harassment. They need to stop. I have no desire to speak with them and I 'm filing bankruptcy soon. 

They 've called from the following XXXX
Called Capital One on XX/XX/19 to discuss the credit card limit on the XXXX  and Platinum card accounts. Was told by one rep that he was transferring me to the dept that would manually review my accounts for more credit limit. After being transferred numerous times and placed on hold for over 1 hour, was told that manually reviewing an account is not an option. Called on XX/XX/19 and spoke to an account specialist that refused to begin an investigation process of why one rep said that the account would be manually reviewed and another stated this was not an option.
I received correspondence from Wells Fargo advising there was an error in how my loan payment was being calculated and they would update that and me on what my loan balance should be. This revealed Wells Fargo was estimating my loan payment based on a 20 year repayment term instead of the 25 years on my promissory note. The correspondence provided to me by Wells Fargo advised that any late fees incurred as a result of this incorrect payment that was required will be reversed. I contacted Wells Fargo regarding any deferment taken during this time if an allotment would be made. The customer service representative advised me it would not and did not let me speak to management as I requested. The representative advised they could not assume had the payment been lower I would have been able to make it and would not have used deferment, despite the fact that they are assuming the same for late fees. I do feel a portion of deferment should be allotted back to my account based on Wells Fargo 's negligence. I do not think it is fair to require I use the same deferment for an additional 5 years, particularly when Wells Fargo is making the assumption late fees should be waved because of their incorrect payment calculation.
I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID.
I called Transunion and spoke with a representative, because I noticed that they had removed the XXXX XXXX XXXX collection from my credit report and placed it back on there. I feel like my rights have been violated, because they never notified me that they would be adding this collection back to my account. I understand my FCRA rights enough to know that I should 've been notified 5 days, but I was n't.
Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies Transunion, XXXX   and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON
I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else.
I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.
I called B of A trying to get a replacement card. I believed I did not have the card and had destroyed it. I did not think this would turn into a big problem. Now it has. 
They didn't believe I didn't have the card, which was weird. 
They sent me to fraud to verify me, which annoyed me because the card hasn't been used in almost 2 years. So I go through all of the verification, answering at least a dozen security and personal information answers. 
I know I got everything right. They asked several trick questions. The last question was kind of ambiguous, asking what amount would have been deposited to the account. Do they mean now, or before? I answered from before. Who knows what they meant, but they said I was a fraudster and they wouldn't send me another card. 

I am not a fraudster and they need to send me another card. 

I called the unemployment office to get a new card and they wouldn't help me. But I did talk to a rep who was very helpful in telling me that I was confused about which company the unemployment department had switched from. All I could recall was going to XXXX XXXX. It actually was the reverse. I started with XXXX, and then at the end went to B of A. So, maybe that is why they didn't believe me? Who knows. 

But, think about it. Your credit card is stolen. You call your bank and say it's stolen. They turn that card off and send you another one. Right? Okay, my debit card has been turned off. No one has attempted to use it. They refuse to send me another one. They say I have to go into the branch and beg the manager to get on the phone saying I'm real and I am now allowed to call again for a replacement card. Total discrimination. This wouldn't happen if they didn't think I was a low life on unemployment. I will not allow Bank of America to treat me like this. They are professional criminals and I am an honest citizen.
I keep receiving calls from ( XXXX ) XXXX, from a Mr. XXXX XXXX regarding a loan that I did not take out, authorize anyone to take out, nor did I receive any such funds from this company.
I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all
Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX  account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!
9 years ago, my wife and I bought our house in XXXX. Being so, we were given a " XXXX XXXX '' loan with our second mortgage having a 11.5 % interest with a {$50000.00} balloon payment due after 15 years. We just had XXXX and have been attempting to modify the mortgage as we can no longer afford the payments. We have submitted twice and been denied twice with them stating that we make too much money. Apparently, it Ocwen 's policy that they do no take out payroll deductions from anyones income that will be helping to support the original lein holder, therefore, showing that we have an excess amount of cash on hand each month. In a final attempt to do something with this mortgage, my wife 's aunt offered to pay {$25000.00} of the {$53000.00} left on the loan as a closure settlement. Once again, they have denied us. Their only advice is to stop paying, take the hit to my wife 's credit, and maybe in a few month the " investor '' will be willing to do something. So, for the past 4-5 months, they 've given us no viable option to modify or settle the loan, therefore forcing us to stop payment without any other terms of negotiations. We 've never missed a payment or been late on a payment, we both have credit scores over XXXX, and yet, according to their own policies, we do n't qualify because our account is in perfect standing. Yet, every time I google the name Ocwen, I find nothing but lawsuits and settlements from the government saying that they have to give homeowners options and relief. Where is the relief for us?
I have filed a complaint with American Express regarding their XXXX miles promotional offer based on which I applied and received this credit card. It has been 6 months since I had the card and I still do not have the miles even though I met the criteria in the first month. I was told there was an " issue '' they are investigating and that I will receive a final answer by XX/XX/XXXX. Of course, this did not happen and every time I contact them they say wait more. Last time I spoke was with a supervisor named XXXX via chat on XX/XX/XXXX at XXXX XXXX central time ( chat ID : XXXX ) and he said the case was still open which strange because I was told before it was closed. He also said that there are other customers who have the same issue. This was the first time I heard that and they never want to say what the issue was. I asked for legal department contact information and he said they do not have one. This is clearly fraudulent advertising and what makes it more appalling is that they continue to send me emails with the same add.
I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX  Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest.
The have been calling repeated to my both my cell and job from XXXX and XXXX. When I asked what the call was in reference too they become extremely rude and will not state the nature of the call. When I refused to confirm my DOB or SSN without stating they nature of the call, the reps become very defensive and aggressive. 
I requested that any correspondence be communicated in writing and that all calls cease to me made in regards to anything associated with my name. Upon doing so, I am repeated hung on up. 

The excessive calls to my job has my superiors thinking this is something to bring concern as they are not only calling my desk, they are calling me through our dedicated customer service line for customer. 
Dates : XX/XX/2018 - XX/XX/2018 daily at least 6 calls between my cell and job. 
Reps spoke to where XXXX, XXXX and XXXX.
On XX/XX/XXXX, I applied for the American Express Gold Card with the promotional offer ( spend {$2000.00} in the first three months and get 50,000 Membership Reward points. Also, get up to a total of {$100.00} restaurant tips reimbursed in the first three months ). Note that this credit card has a hefty annual fee of {$250.00}, and I sincerely believe that the promotional offer was one of the biggest reasons that I applied for the card and wanting to become a long-term AMEX customer. 

Yet, when I noticed that my restaurant tips were not reimbursed and contacted the consumer service ( on XX/XX/XXXX ), I was then notified that my card-opening promotional offer was declined and there's no way of re-approve my promotional offer. 

During my application, the application specifically stated that the application that I have submitted came with the promotional offer. In fact, the promotional offer was on the side both when I was typing in my application information and after submitting my application information. My application was instantly approved within 1 minute of submission. Yet, I was not notified of any rejection of my welcome offer either during the application or after the application approval. My notification of promotion offer rejection only came after I contacted the consumer service about it on XX/XX/XXXX. 

I find Amex way of promoting credit card applications fraudulent and misleading. I felt being lied to. Such behavior from AMEX is truly disappointing and insulting.
compass bk pulling my credit XXXX XXXX XXXX XXXX and XXXX  having isssue removing my fraud alert with all 3 's XXXX, XXXX, and XXXX ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX
Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.
I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX Bank, XX/XX/2018, XXXX XXXX XXXX XXXX, XXXX Card, XX/XX/2018, XXXX XXXX Bank Texas, XX/XX/2018, XXXX Card, XX/XX/2018.
A company by the name of Integrated Services contacted me as soon as I asked them to put me on a do not call list the caller referred to me as a " XXXX '' After telling them to not call me again I hung up thinking I was done. I later received a recorded message on my voice mail from the same company saying they were looking for my ex wife. I called them back and informed them I did n't know how to get a hold of them and to stop calling me. They instantly became belligerent, so I hung up and filed this report.
I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.
I have contacted Citizens bank numerous times regarding HELOC reset. When they called me back, they left a very unclear message in a broken English. The voicemail massage probably came from someone overseas, and the number they gave me is for a different business. They called me back only after 3-4 calls to servicing, including on with a supervisor Mat. He was not able to provide a  number to call regarding modification. 
When I spoke previously with a different rep, he told me to call XXXX, where they were unable to help me. I received confusing letter and loan statements. I am constantly being referred to someone else, or told to wait for their call back. I have paid them on time for a decade and want to avoid foreclosure by modifying the loan. Please help. 
My contact info is XXXX or XXXX. Thank you
Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.