WillisBack/dataset-financial-user-claim huggingface dataset:
X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake
Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.
I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  XXXX  XXXX  XXXX
I submitted Identity Theft affidavits via the FTC to Equifax, the documents were signed for on XX/XX/2018. In detail it referenced all accounts that were fraudulent. Both XXXX  and XXXX followed proper protocol per Section 605 ( B ) of the FCRA ... but Equifax claims that they don't have to follow those same consumer protection laws that states within 4 days of receiving the proper documentation that all of the accounts in question should be blocked from he consumer credit profile ... .I spoke with 2 separate agents that stated and I QUOTE 'EQUIFAX DOESN'T FOLLOW THE SAME GUIDLEINES AS THE OTHER 2 CREDIT REPORTING AGENCIES ... .now last time I heard the laws should apply to all the same way. Equifax is the worst, and they lie and cheat the consumers daily because they get paid BIG BUCKS by these companies to damage credit profiles for financial gain.
My complaint is regarding a charge I am disputing that was made on my Best Buy/Citigroup credit card, by Best Buy, on XXXX/XXXX/XXXX in the amount of {$100.00}. This charge has accrued late fees and interest, now resulting in the current total balance of {$280.00}. 

The history of this charge is as follows : On XXXX/XXXX/XXXX, I purchased a one-year Best Buy/XXXX membership service at a Best Buy store in XXXX, XXXX On that same day, I received an email ( see attached email dated XXXX/XXXX/XXXX ) from Best Buy/XXXX confirming purchase of the service and charge to my Best Buy credit card. In this email, the following was clearly indicated with regard to the future renewal of this membership service : " We will notify you via email 30 days prior to any charge to your credit card. '' With regard to the disputed charge made on XXXX/XXXX/XXXX, Best Buy/XXXX DID NOT notify me via email ( or any other form of communication ) 30 days prior to the charge made on XXXX/XXXX/XXXX despite their promise in the above-referenced email/confirmation receipt. 

It is important to note that in years past, I had received notification emails alerting me to the upcoming expiration of this membership and the pending charge for renewal ( see attached email dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). These emails allowed me to decide if I wanted to continue the membership and also alerted me that a charge would be made on my card. Following a renewal, I was notified by Best Buy/XXXX via email of confirmation of the purchase and resulting charge on my Best Buy/Citigroup credit card ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). 

With regard to other products for which I had purchased renewable XXXX Protection, I had always received emails from Best Buy/XXXX alerting me to the pending expiration of the protection with an option to renew ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). I chose not to renew protection on these items so, subsequently and appropriately, I was not charged for the renewal. 

However, and with regard to the disputed charged, not only did Best Buy/XXXX fail to notify me 30 days prior, I did not receive any notification following the renewal/charge indicating that the membership was renewed or even that a charge had been made. 

Again, I did not receive ANY notifications of the pending renewal, pending charge, confirmation of a renewed membership, or confirmation of a charge made to my credit card. 

I began to dispute this charge in XXXX XXXX after Best Buy/Citigroup contacted me via telephone regarding this charge about which I had no knowledge. At that point, the charge was already past due. My attempts to dispute this charge have continued since that time and up until present day without any satisfaction. Over time, late charges have been applied to the original charge resulting in a total outstanding balance of {$280.00}. Furthermore, Best Buy/Citigroup has reported to these late payments to the credit report agencies causing a significant reduction in my credit score.
XXXX XXXX has a collection company named XXXX XXXX XXXX XXXX whom continues to add a debt to my credit report. I have never had a cell phone with their company ever. I have asked for them to remove it and they have never responded to my request. I 've asked the XXXX to remove it and XXXX aka XXXX XXXX XXXXXXXX XXXX continues to report it to them in the amount of {$560.00}. They report that the account was opened XXXX XXXX 2014. I have lived off of the power grid and an area where their services are not offered or available for up to an hour from my home for six years .... I have no need for their services nor have I ever had their services. 
I would like this debt removed. I have NEVER had an account with them.
Citi bank sold debt to XXXX XXXX who has attorney XXXX XXXX XXXX filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me
X/XX/17   The  Honorable Consum er Financial Protection Bureau, Please be advised that the joint tort feasors of  STERN & STERN   XXXX   XXXX   XXXX  .,  XXXX , N.Y.  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , N.Y.  XXXX and the CIVIL   COURT OF THE   XXXX   XXXX   XXXX   XXXX    1  XXXX   XXXX   XXXX   XXXX  , N.Y.   XXXX    have has and is refusing to follow Federal law as well as private international l aw effectin g two consumers as trust res and one being a minor.     STERN & STERN and  its principal was notified and warned no less tha n three tim es of false debt collection and fraud by deceptive practices under  color  of law by notary presentments and invoiced for trespass, libel, slander etc.    STERN & STERN did s tart a false claim ( index #  XXXX   XXXX  ) against the TRUST name and D/B/A/  XXXX   V.  XXXX  a consumer and  religious trust not for commercial profit.     XXXX  V.  XXXX  or  XXXX ,   XXXX   XXXX  . as the consumer  defined did counter claim and try to remove to proper venue for remedy.   This Removal attempt was denied by  color  of law and with want of equity. It has caused a larger and/or additional tort.   A Rebuttal and denial was sent to your    XXXX   XXXX   XXXX   address recently FYI. You can merge with this complaint only if it helps.   <P/><P/><P/>    XXXX   XXXX   XXXX  . 32 15 U.S.C. 1692c ( d ) Attorney in factum All rights res erved
I applied for a refinance on my condo with my current lender, Bank of America, in XX/XX/2016. 20 year fixed rate on an investment property condo, 3.75 % fixed rate. During the underwriting process, it was discovered ( by BofA no later than XX/XX/XXXX ) that there was an insurance coverage issue with my building. They did not notify me of this problem until AFTER the appraisal had been completed ( XX/XX/XXXX ) and I called them ( XX/XX/XXXX ) and it was too late to cancel/reschedule in order to avoid a {$690.00} appraisal charge. At no time was I notified of any other issues/problems with the underwriting of the loan by anyone affiliated with Bank of America. It was n't until I called the loan officer on XX/XX/XXXX to inquire about the status that I was then notified about the problem. On/around XX/XX/XXXX I received a notice that they denied the loan due to this not being resolved. I was able to facilitate/coordinate between the lender, HOA, and building insurance to resolve the coverage issue on XX/XX/XXXX, despite there being 3 national holidays and during the XXXX and XXXX season. Had I been notified earlier, this could 've been resolved and my loan would 've closed. I have lost over {$690.00} in appraisal fees and the rates for a comparable loan are at approx. 4.50 % or higher now. This will ultimately cost me thousands of dollars in interest over the 20 year term. I have tried my best to work with BofA before filing this complaint and they have been non-responsive since XX/XX/XXXX. I have called multiple times and emailed without any response whatsoever. They claim I lost rate locks, but I was never notified of this or any other delays.
On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.
Equifax refuse to remove XXXX XXXX  off my report. I do not have access to that account. 
They refuse to remove it. I am not an authorized user on that account at all. They also re inserted back XXXX XXXX and XXXX  XXXX back without a 5 day notice. They are violating FCRA. I disputed those items and had them removed.
I have been contacted at least 5 times a day for over a year from several different numbers that all start with XXXX * I have stated every time that the debt has been paid and also I have faxed over that the debt has been paid * I was informed by this company that the debt is still owed and I may have paid a scam company and that's on me but the debt is still owed to the company that is contacting me now
I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX
I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.
AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).
I do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.
BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.
On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error :   XXXX   XXXX   XXXX     #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the 24+ 90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called   XXXX   XXXX   XXXX     and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any  90+  day lates to the credit bureaus. I requested a letter from   XXXX   XXXX   XXXX     stating this.     On  XXXX  I received a statement from   XXXX   XXXX   XXXX   and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called   XXXX   XXXX   XXXX     again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a Charge off but still showing  90+  day lates. He said he would send a letter out to me. At this point I do n't have much confidence in   XXXX   XXXX   XXXX   or their support staff.     I am hoping you can help me resolve and address this issue.
eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.
Experian has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.
Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.
SEE ATTACHED. Petitioner incurred roughly {$220.00} in services at the XXXX XXXX XXXX  XXXX XXXX. Petitioner paid {$25.00} on-site as a deductible and the XXXX XXXX XXXX XXXX XXXX said they would bill his insurance. For whatever reason, they then began billing him for {$190.00}. Petitioner attempted, unsuccessfully, to have them charge his insurance company and ultimately paid the {$190.00} debt out of his own pocket. Now, four years later, Petitioner has learned that the XXXX XXXX XXXX XXXX XXXX never accurately reconciled the debt as being paid and, to make matters worse, sent the debt to XXXX XXXX XXXX, a debt collections agency in XXXX XXXX, MT which has been falsely reporting the debt as being unpaid and in " Collections '' to credit bureaus. Worse, they have been levying " fees '' and " interest '' on a debt which had been paid off years earlier. Both Defendant 's have been notified of their errors and have refused to correct their actions.