WillisBack/dataset-financial-user-claim huggingface dataset:
We request that the XXXX reporting agencies block negative credit information reported on our credit reports due to Identity Theft. During XX/XX/XXXX and XX/XX/XXXX, XXXX ( XXXX ) credit cards with small credit lines of {$300.00} to {$1000.00} were fraudulently opened in my name with my information and were maxed out and abandoned. 
In that we rarely use credit, we did not know about these credit cards until we obtained our car loan XX/XX/XXXX, at which time we received our credit report for the first time. 
We reported that these were fraudulent cards and that they should be blocked on our credit report. 
In that we are planning on getting another car loan in the near future, I requested copies of my credit reports and see that these items are still on my credit report. It is clear when reviewing our credit report that we have credit cards and an auto loan from a long time before XX/XX/XXXX/XX/XX/XXXX and since that time which have always been handled as a agreed with very few late payments. Only the cards that were issued without our knowledge have not been handled as agreed and were charged off. The fraudulent cards inappropriately reported on our credit report do significant damage to our credit score. 
We request that the XXXX credit reporting agencies immediately block these fraudulent cards from our credit report.
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
There is a collection agency appearing on my credit report. I have contacted this agency on several attempts to provide documentation on services provided by them for the supposed debt owed. They have sent me on numerous attempts a signed copy of the consumer rights and responsibility page with a signature. I requested an actual medical bill for services and I was sent a piece of paper with my information on it and a total due. No itemized statement of services that were received. After the 5th letter I sent to them the company sent e a letter with a check in the amount of {$120.00} attached and apologized for the inconvenience. However, will not remove the item off my credit reports. I disputed with the Credit bureaus and because my name and address matches they validate this as my debt. I did not receive services at the hospital that claims to have given the service.
My mortgage that was current with no issues was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX And I have never received any contact or information I have tried numerous times to contact via website but can not get access due to do not have my new loan number. Calling multiple times daily and can't get through and have left my number multiple times a day with no call back I have my payments and can not make them I am afraid of foreclosure or negative impact on my credit Just want my information to be able to pay my bills
On   XXXX   XXXX   XXXX     I wrote a request for account validation  to Nemo 's Inves tigations And Collections. What they sent back on   XXXX   XXXX   XXXX     was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in  black in k its unreadable. I do not want them to contact me or report false debt to the  XXXX  credit bureau 's.
Financial Pacific Leasing  2 c ontract agreements I filed a concern about this company last year with NO resolution. This deal was negotiated through a broker who told me that I could pay off these  two  {$5000.00} leasing loans at any time, without penalty. When I attempted to do so, the finance company gave me the pay off at 50 % interest. This is NOT what I agreed to. I have maintained my payments in good faith, but I am having difficulty maintaining payments at this time. This bank should not be allowed to pretend that the broker 's misrepresentation of the payments are not their problem. This is a convenient way to extort money out of unsuspecting business owners. I have already filed a legal complaint against this broker,  XXXX   XXXX , because what he did was disgusting. What I want is a reasonable payoff and never have to deal with this company ever again.
Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.
Attempted to apply online for an XXXX Visa Signature Card after receiving an offer through the mail for an XXXX Visa Signature Card with a XXXX Mileage Plan sign-up bonus. I searched online and found the same offer but with a {$100.00} statement credit. I applied and was notified that I was approved. However, in the fine print, it stated that since I was actually approved with only a {$2000.00} credit limit this would mean that I would receive a Platinum Plus account. NOT the card that I applied for and this card does not offer the signup bonus that prompted my application. 

I called their customer support number and they said that they could request for my credit line to be increased to {$5000.00} and then switch my card to the Signature Card but even if they did so I would not be able to receive the advertised XXXX sign up offer because it has to be approved at {$5000.00} initially in order to receive the bonus. I feel that this is a blatant Bait and Switch scheme. 

I then decided to apply a second time but this time using the credit card offer that I received in the mail ( also for XXXX bonus miles ). Again, I was approved by only for {$2000.00} worth of credit. I called their customer support number again and they said that they could merge the XXXX {$2000.00} accounts and then I would have XXXX {$4000.00}. At that point, they could seek an increase of an additional {$1000.00} to get me to a Visa Signature Card and request to honor the XXXX sign up bonus. After remaining on hold for some time, the agent said that they had canceled XXXX of the {$2000.00} and I now had a {$4000.00} Platinum Plus card ( not a Visa Signature ). He then informed me that the bank 's policy did not allow a credit line increase within the first 90 days so I would still be unable to get the card that I actually applied for. Since they were not able to give me the card that I wanted, I was forced to cancel both new accounts. I was NEVER applying ( at least willingly or knowingly ) for the Platinum Plus cards. 

This negatively impacts my credit report as I now have XXXX hard pulls on my credit report and XXXX closed accounts that will now affect my average age of credit history ( XXXX accounts for no reason will bring down my average age of credit overall ). 

This is bait and switch and I have since read about many other customers who have been victim of this Bank 's scam.
Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX
Hello my name is XXXX XXXX on XX/XX/XXXX my friend XXXX XXXX used " XXXX '' to send me money he owed me for rent. I never used it so I downloaded it fast and he transferred it. It initially said it would be in my account onXX/XX/XXXX. Now XXXX is saying my account is deactivated and they money is stuck in there they will not transfer my money. They are accusing me of having 2 accounts with them which is not true! And now I do n't get my money because of it
For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. Thank you.
When I opened a credit card in 2012, I was told after-the-fact that I had been signed up for a checking account, as a condition of opening the credit card. I never asked to open the checking account, and was only told about the account after the branch representative finished opening my credit card. Now, 4 years later, I am being charged fees on the checking account. I was given no notice that I would be charged fees, and I never wanted this account in the first place.
I cancelled my Amex XXXX Rewards card on XX/XX/2016 because of the annual fee. Amex confirms they received the request and it should have been complete but did n't complete it. Now they say I still owe the annual fee because it was n't actually closed.
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Experian won't remove an incorrect item off my credit report. I never owed the amount. Online retailer never properly refunded returned clothing, then piled on late fees. I never owed them anything.
Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me.
This past year I noticed a " XXXX unpaid principal balance of XXXX '' on my monthly statement. This XXXX unpaid principal just showed with no explanation. My mortgage is with Wells Fargo Home Mortgage and it is too high for my income. My monthly payment including escrow of XXXX is {$2700.00}. My mortgage payments are adjusted each year as a result of a modification from XXXX. In XXXX of XXXX my total payment increased from {$2400.00} to {$2700.00}. Last year, just before the increase I inquired about having my interest lowered, it is currently XXXX %, I was immediatly told " no ''. I began making my payments late and the harrassing telephone calls from Wells Fargo employees began. They called at XXXX, XXXX, and night on the same day even though I spoke to someone and let them know when I would make the payment. I retired in XXXX of XXXX. I XXXX, from XXXX until XXXX, XXXX did not get a raise from XXXX until XXXX. My income tax statements reveal the decline in income. I spent most of my savings on dental bills between XXXX and XXXX. I love my home and living in XXXX but I am moving to the XXXX XXXX where my family is located and the cost of living is lower than it is here in XXXX XXXX. Each XXXX the interest increased, my total current payment including {$290.00} escrow ( for ins & tax ). Currently my interest rate is 5 % until XXXX XXXX, XXXX, it will go as high as 7 %. The " XXXX Principal Balance '' is currently over {$12000.00}, because late fees of over {$100.00}. are added each month. When I inquired the unpaid XXXX Principal Balance Account I told was it was added because I was late on my payment. I did not realize I had that agreement and everytime I request a copy of the agreement, I am sent a paragraph with my signature. I have no idea what type of document this paragraph is from. I did see where the Special Forbearance Agreement from XXXX XXXX included a similar statement but the forbearance was a temporary lasting just a short time, I never had a XXXX. I was told that I have to pay this XXXX because I am late on my payments. I would like the XXXX removed. Finally, I have a buyer for my house, it is in escrow and should close on XXXX/XXXX/XXXX. Please look into this matter I understand that I have late fees but I do not agree with the second. I was advised to use this web site to file a complaint..
this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.
On XX/XX/XXXX, I logged into my Bank of America account even though I had paid the entire bill the previous month, and was surprised to see a balance due of {$28.00}. The sum, {$27.00} late fee plus {$1.00} interest charge, was due to paying 3 days late. What I must have done is scheduled the payment for when the promotional period expired, XX/XX/XXXX, instead of when the payment was due, XX/XX/XXXX. 

Every person with whom I spoke informed me that their system would not allow the late fee to be waived, an assertion I found surprising but seemingly legitimate after talking to numerous people. One supervisor claimed the fee was required by law ; he gave the impression that it also could not be removed. Things got really absurd when he acted as though he caught me in a lie when I told him that I had a late fee removed by another credit card company years ago. No, I am not in the habit of paying late, as he should have been able to see from my records. 

Anyhow, Bank of America 's action has made it abundantly clear that I am not the type of customer they want or need, so I am glad to be paying any future fees to other institutions.
On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.
XXXX, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX
XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX
capit al one 360 has close d my checking account ending  XXXX  without giving me any reasons or communications. They also refuse to release the fund of {$3000.00} in that account, claiming that the originating bank of those fund has to pull those back, which is absurd and virtually not possible for me as a consumer to realize.
Experian is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX
On XX/XX/2018 I am being hit with a hard inquiry from td bank/XXXX which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for
Performance. What Performance! I have been struggling to pay!! Are they telling me one t
hing and doing another and pocketing the other money? It just does n't feel right! Please investigate  this process!
XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX. 

HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge
I canceled auto insurance in XX/XX/2011 for a vehicle that I no longer possess. I was told numerous times that XXXX XXXX called in and reinstated my insurance causing a XXXX bill with USAA auto insurance company. It is now over XXXX years old and they refuse to stop collecting for it. This is one variable that is illegal. Secondly, charging insurance for no vehicle. Most importantly, allowing a bank to undermine my account. 
Furthermore, I called USAA over a 100 times and they care less. I received a letter that you all stepped in regards to my closed checking accounts and USAA discriminationed against me with checking, auto loans and a secured credit card offer. My credit is stellar. Their out of control. 
I would appreciate any help at all with these matters. 

XXXX XXXX