WillisBack/dataset-financial-user-claim huggingface dataset:
I was in  XXXX   XXXX ,  XXXX  from   XX/XX/XXXX     ;  XXXX ,  XXXX  from     XX/XX/XXXX  ;  and again in  XXXX   XXXX  from     XX/XX/XXXX     before returning to the  USA   (   XXXX ,   XXXX  are a ). I also had a connecting flight in  XXXX ,  XXXX . On   XX/XX/XXXX  I G ot back to the USA at  XXXX  and called my credit card company shortly after, because I got a text message saying that there was suspicious activity on my card. It was with my  XXXX   XXXX   XXXX   XXXX   XXXX   MasterCard, which is powered by barclaycard. The agent from my credit  card company that I spoke to went over the charges that looked suspicious and I knew they were n't mine, and they were marked fraudulent. There were  XXXX  fraudulent charges of {$340.00} made on my account on   XX/XX/XXXX   or   XX/XX/XXXX   and  XXXX  charges of {$180.00} made on   XX/XX/XXXX  . Not only were these  XXXX  fraudulent charges cash advances, but  I  'never ' use or used my credit card to make cash advances. I was scammed by crooks. I could be wrong, but now I am thinking that this may be how these crooks were able to scam me ... On   XX/XX/XXXX   I went to the  XXXX   XXXX   XXXX   XXXX  and I made a purchase at the   XXXX   XXXX   with my credit card and when I inserted my card into the chip terminal, it rejected my payment at first, so a person behind the counter said that I need to type in my pin, so I typed it on the key pad. Then I think they used a different machine the  2nd  time and it accepted my payment. I believe that  [  maybe ] my pin could have been stolen that way. Otherwise, in  XXXX , I only used my card to get train tickets a couple times ; at the  XXXX   XXXX  ; at the  XXXX   XXXX   XXXX  ; and a couple times at gift shops in  XXXX   XXXX   XXXX . I never use my credit card to make cash advances, I only do " swipe '' transactions, and I would not have spent {$340.00} or {$180.00} in a single transaction, or multiple transactions in this case. I 'm a victim of credit card fraud and I should not have to pay an " extra '' {$1300.00} on my bill that I 'm not responsible for. So today on Thursda y,   XX/XX/XXXX    I got a letter from the fraud investigation department saying that their research has indicated that the transactions are valid. So as of now I 'm responsible for " fraudulent '' charges that were made on my card by someone else. I was then told to call the    XXXX   XXXX    in  XXXX   XXXX  and they could n't help me ; I was told to call the  XXXX   XXXX  police and I was hung up on ; and I was also told to backtrack the merchants on my account where the fraudulent transactions were made, and the names are n't even showing, because they 're probably various ATMs. I also suffer from  XXXX   XXXX  and I do n't make such a large income, so to pay a large amount " extra '' on my credit card is in no way fair. Thank you.
I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX  and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
I received a text message from XXXX XXXX XXXX this evening indicating suspected credit card fraud. The message stated that the bank was freezing my credit card and that I could call a particular telephone number to reactivate it. I called that number and have been waiting over 30 minutes on hold. TO ADDRESS SUSPECTED CREDIT CARD FRAUD. 

This is a huge deterrent to the timely resolution of fraud issues and, quite frankly, unacceptable customer service. Unfortunately, it's par for the course for XXXX XXXX XXXX. Rather than the exception, 30+ minute wait times are the rule when it comes to contacting them via telephone.
XXXX XXXX, XXXX, and Experien keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
I took a loan out with One click cash for {$800.00} installment loan and they want to repaid over {$4000.00} in 20 months!!!! This is illegal and loan sharking.
Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor
My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.
I am writing this regarding my mortgage servicing company Seterus, Account # XXXX. The phone # is XXXX. XX/XX/XXXX I received an escrow statement from Seterus the statement indicated that my mortgage payment of {$850.00} was increasing to {$1000.00} due to the fact that the escrow was {$1200.00} short and that my town taxes had gone from {$1900.00} to {$3600.00}. I contacted Seterus and told them that my taxes were the same as they have always been and there was no increase. Then asked why they were billing me {$3600.00} for town taxes. They instructed me to call their escrow company XXXX at XXXX. Upon contacting them I told them about the mistake in the town taxes and that the reason why the town levied them for {$3600.00} was because Seterus failed to pay the school taxes of {$1500.00} for the year XX/XX/XXXX. The town XXXX then added that figure to the town taxes of {$1900.00}. They also included interest of {$170.00} which they are holding me liable for. XXXX indicated to me that they would run a new analysis and correct the situation within 10 business days from XX/XX/XXXX I then proceeded to contact Seterus XX/XX/XXXX and they said they were waiting for the analysis. I contacted them again XX/XX/XXXX and was informed that it would be at least another 30 days to complete their analysis. I explained to them that they were over charging me {$250.00} on my original mortgage payment and they were also charging me the interest on the {$1500.00} from the school taxes that they failed to pay XX/XX/XXXX. The money was escrowed and still is being escrowed I was informed by Seterus that if I did not make the XXXX payment of {$1000.00} it would go against my credit report and that if I paid less than the {$1000.00} they would not apply the payment and I would still be held responsible for the full amount making me late on my mortgage. This is totally unacceptable I am being charged {$250.00} more per month on a mistake they made by not paying the taxes XX/XX/XXXX and my normal mortgage payment of {$850.00} is no longer valid. My town taxes consist of {$1900.00} insurance of {$530.00} and school taxes of {$1500.00} for a total of {$4000.00} instead they are escrowing {$5800.00} a {$1700.00} which is the school taxes plus the interest that they did not pay for XX/XX/XXXX which they are penalizing me for. 
Please help us in this matter for Seterus and XXXX have given us nothing but a song and a dance and are illegally collecting money that they do not have coming. Thank you for your time. 

Sincerely XXXX XXXX and XXXX XXXX XXXX XXXX, NY XXXX # XXXX # XXXX # XXXX
I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.
I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.
I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the National Student Loan Data System there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX XXXX website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Dates Fraudulent Accounts Opened : Amount : Company : XX/XX/XXXX {$1400.00} Barclays Bank Delaware XX/XX/XXXX {$5100.00} XXXX After I applied for an auto loan in XX/XX/XXXX, I reviewed my credit report and noticed that there are multiple accounts that were opened under my name with no knowledge about them. I was shocked to find out that I had been a victim of identity theft since my information had been compromised. Me being a victim of identity theft has negatively impacted my life severely causing me to have the worst experience of XXXX and XXXX. I had no idea what to do next. I knew that I had to do something to get the fraudulent accounts corrected immediately. I did some online research and found the FCRA and Federal Trade Commissioner helpful in which had led me filing a police report as it did get approved by XX/XX/XXXX. Furthermore, I had obtained an approved police report and sent it to each major credit bureau via certified mail, affidavit, and notarized to have the fraudulent accounts removed from my credit file. However, only one credit bureau has been compliant thus far and the remaining two have not. The actions I took to try to get my identity theft problem resolved was to also file an identity theft report with the Federal Trade Commissioner as well is to mail the report to each credit bureau ( XXXX and XXXX ) as well as contacting the creditor directly. Still, nothing resolved.
I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.
I Have a mortgage with Ditech walter company. I have been paying on time since XXXX XXXX. Suddenly with no explanations, ditech included the escrow to my pay account, and the monthly payment rise to much. they ( ditech company ) say that my property taxes are not paid, but I already sent on XXXX XXXX the proof of installed agreement with XXXX XXXX, I agree with XXXX XXXX to make XXXX payments between XXXX and XXXX XXXX and that is what I Did. I do n't know why Ditech is taking advantege on that, is not fair. Please Help!!
I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.
checking account XXXX under the name XXXX XXXX   was opened fraudulently and attached to the savings account XXXX with {$50000.00} that was electronically transferred from XXXX XXXX. XXXX XXXX sent out {$50000.00} under my name and social and dob, but bank of America and XXXX XXXX kept my name XXXX XXXX but changed the dob and social and used the address XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX  when I went to Bank of America to bring this to their attention they called the police in front of me, but there is no record from XXXX XXXX police department. I met with XXXX XXXX deputy outside the bank and he told me to go to report this to the XXXX XXXX  Police. I did drive there and arrive at XXXX XXXX XXXX to file report XXXX  with the agency on XX/XX/2018. Since then I went to Bank of America and they still have not disclosed their plans to allow someone else to continue using my name and {$50000.00} in XXXX XXXX, Florida. I have case id XXXX from the past as a reference. Also, BOA sent a letter to my address saying that credit card account number XXXX XXXX XXXX XXXX is reporting correctly on my credit file, but I do not see it anywhere on my credit file. Please tell me what credit file they are referring to?
Someone called my home, continuously. I called the number. It belong to Transworld System Collection Agency. The person talked too fast, and I could not understand what her name was. She asked for a person who does not live at my home. I told her that no person by that name lives here. I asked her not to call my home again. She became rude, and told me she could call, and they do not follow the do not call list She tried to tell me that she could call as long as the person ... I hung up on her. But I did ask her not to call again ( XX/XX/2017 ). I looked up their information, and there have been several complaints about this company. They are using unfair and harassing tactics, according to some complaints on the internet.
XX/XX/2017 Chase Bank closed my check acct. I had direct deposit from VA n Social Security. Chase failed to give me a 30 day advance notice n no reason as why.Chase had authorized payment to XXXX XXXX at that time I had XXXXDS to the good .Payment was XXXX n Chase collected overdraft fee n failed to notify me to so. As of closing my account Chase had collected over XXXXDS. On the XX/XX/2017 Chase receivedy SS payment of XXXXDSl n paid themselves XXXXDS. I came behind Chase n withdrew XXXXDS at XXXX from ATM later that day Chase closed my account n showing a negative balance.