WillisBack/dataset-financial-user-claim huggingface dataset:
While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....
In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.
I received an alert about a new hard inquiry added to my credit report but I haven't applied for anything. Please remove this fraudulent hard inquiry from my credit report XXXX XX/XX/2018 2018
OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.
To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.
I issued a certified letter to Equifax on XX/XX/2018 in regards to a bankruptcy incorrectly reporting, Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have yet to have a response in regards to this dispute
Consumer Financial Protection Bureau cc XXXX Experian Credit report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX XXXXXXXXXXXX Re : XXXX XXXX XXXX Installment Accounts none reporting via Experian as of the date of this letter. 
XXXX XXXX XXXX Installation Accounts XXXX and XXXX XXXX XXXX, 2016. 

I have tried on several attempts via the lender, XXXX XXXX and finally with XXXX on XXXX XXXX, 2016 in addition to a follow up call with Experian direct ( I spoke with customer care dispute representative XXXX ) on the date of this letter@XXXX ; however with no success. As the representative advised that the dispute was not showing as pending/received. Notwithstanding he advised that I dispute the issue with the lender again, which I have done on several occasions without any successful update of said Experian. 

Please assist. 

Thank you.. 

Sincerely,
My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Dear TransUnion I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.
I have been requesting a short sale for the last 18 months, Select Portfolio has been giving me the run around, they have been delaying the process by giving me conflicting information, I have been sending documents for over 18 months and their delay has caused me stress, cost me thousands of dollars in attorney 's fees and currently now I may probably lose the buyer and have a Foreclosure on my record. I have been calling the lender every other day for the past 18 months requesting them to review the documents, I have since lost XXXX buyers due the Select Portafolio delaying the process by not being responsive. In the last month alone I 've called 10 times trying to get an update as to the status of the short sale. Every single person taking my call has given me different information, and most of the times the information was inaccurate. No one seems to take responsibility for delaying the process or for giving you erroneous information regarding my account. I need assistance. My XXXX review was submitted on XXXX XXXX, 2016 and to this day no one has reviewed the documents or started the review.
Chase has stated it did an investigation and did not receive any letters of dispute. Chase did not do an investigation. On XXXX XXXX, 2017, I sent Two letters of BILLING ERRORS and requested specific documentation. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX. I received no response. On XXXX XXXX, 2017, I sent a second Notices. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX, requesting specific documentation. I received no response to the questions stated on the BILLING ERROR. Under the FCBA the Creditor has 30 days to respond, no more than 2 billing cycles, and 90 days most! All of that has come and gone with no response to my concerns or questions. This constitutes the alleged debt cancelled, without negative marks on my credit report under the FCBA. I no longer have a valid agreement or contract with CHASE and will excersise my administrative rights under the full extent of the law. Any further contact or attempt to collect will be considered harassment. I reserve my rights!
I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and XXXX.
XXXX inquires from XXXX XXXX that were not authorized. I have disputed them in writing with no response.
I am a victim of identity theft. The following credit hard inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
XXXX  has been non-compliant with removing the unverified account WAYRESGRP Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of $ XXXXfrom XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
On XX/XX/XXXX collection accounts on my credit report were deleted. On XX/XX/XXXX they were reinserted and Transuion refuses to investigate
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. 
I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. 
Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.
This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
On XXXX XXXX, 2016 I sent money to my fiancee in XXXX. On that day I paid using my XXXX XXXX XXXX debit card. The western Union tracking number is XXXX. The entire of {$320.00} was immediately debited from my account. About two weeks thereafter, Western Union debited the same exact amount from my XXXX account on XXXX XXXX, 2016. I discovered the unlawful debit from my account on XXXX XXXX, 2016. I immediately called Western Union and was advised that the money would be returned to me immediately. Since that time I have placed at lease three calls to Western Union and have not received my money. So effectively Western Union stole my money and while they continue to acknowledge the theft they can choose to return it when they feel like it. Today is XXXX XXXX, 2016 and I still do not have my money. They can not tell me when I will receive it. They should be punished they have offered me a free transfer for the next service. I have no confidence in them. I gave them over a week to take care of this problem yet it remains unresolved. I would like Westernh Union to be punished for this crime.
I had   XXXX   XXXX   and  2 i nsurance companies. They should have been communicating with each other to settle the debt.
I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.
I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.
I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XX/XX/XXXX18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
An Item I purchased but never received and disputed with Discover and Discover closed the account in favor of the Merchant and reported it to the credit agencies, lowering me score, it turns out the merchant was honest and issued a refund which they verified and XXXX verified, XXXX 2015 a refund as issued due to lack of inventory, but on XXXX XXXX 2015, Discover notified me in writing the cased was closed in the Merchant 's favor, but clearly it was not. I believe the XXXX attachments below will help to clarify my concern.
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.