WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help
Navient forc ed me into forbearance and then to consolidate my loans with another service provider.
I took out an auto loan with XXXX on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on XXXX payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
I recently reviewed my most recent Transunion. I observed several inquiries that are being displayed that I do n't recall giving the authorization or consent. I have made Transunion aware of this situation is XXXX 2016 and they continue to not conduct a proper investigation. Furthermore, I have informed Transunion that if the inquiries are found to be legitimate to please mail me the documents so that I can determine its validity. Transunion actions are having a negative impact on my credit worthiness and credit score by its failure to comply with the FCRA.
I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.
I have confronted XXXX  and TransUnion numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, XXXX and TransUnion my current, correct address several times but as you can see in the enclosed documents, TransUnion fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. 

I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. 

Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). 

I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. 

So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here.
4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. 

So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. 

I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ).
6 ) If I reapply, I will lose the {$200.00} promotional offer.
Midland Credit Management called me three times at my workplace on XXXX XXXX, 2017 after being told during the first phone call that I 'm unallowed to take calls at  work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.
Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % interest.
Hi, on XXXX XXXX, I paid XXXX $ in XXXX to my provider. The day XXXX XXXX, the provider sent me back the money because we didnt coordinate the transaction. 
The TX XXXX when I paid to my provider XXXX : XXXX The TX when the provider XXXX me back the money : XXXX XXXX Then, I saw lot of confirmations in the transactions back, but in my wallet my money does not appeared. I wrote an email to coinbase, explanning the situation, I wrote the TX when I paid and TX when provider sent me back the money. 
Coinbase answered me this : " XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX : Hi XXXX XXXX Sorry but we do not support returning funds to a sending output : https : XXXX Sorry for the trouble and in the future please do not have funds sent back to the sending output, as you will not be able to recover any funds send to you that way. Please provide a payment address listed here : https : //coinbase.com/addresses You can navigate there by going to 'advance ' in the drop down found in the upper right of the page. 
Let us know if you have any other questions, and thanks for using XXXX. '' Following the link I read this new rule : https : XXXX " Returning XXXX to a Coinbase account successfully XXXX XXXX, 2016 Coinbase does not support bitcoin being returned to the output address. It 's important to understand how Coinbase handles transactions to ensure the XXXX reaches the account. Due to how Coinbase handles outgoing transactions, the funds will not reach the account if they are sent back to the output address that the funds originated from. 

It 's important to provide a sender with an address from the list of receiving addresses. All XXXX receiving addresses for a Coinbase account can be found on the following link : https : //www.coinbase.com/addresses To learn more on Coinbase transactions please refer to the following article : Why ca n't I see my transaction in the blockchain? '' I Answered the email from coinbase : " I want my mony back. I read your rules, and in next time I will talk with my providers that return my payment to my personal address. But this time I want my money back because is mine. If was a mistake of my provider, you know through the TX that money is not yours. Then, most honest and responsible from Coinbase, is to return the money to the client, in this case me. 
I do not think for about XXXX XXXX you are willing to lose a client in Coinbase. " I wish to make a complaint because I feel scammed, Coinbase knows that the money income to your account is that other people 's money, is mine, and they do not want to return to the original client money. 
I want to contribute to the legality of things, what is right, what is honest and what is responsible. 




https : XXXX
I have a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??
On XXXX XXXX, 2017, I went to the local branch of Bank of America in XXXX, NJ, to make a payment on my credit card. I was told to use the Bank of America ATM located there. I inserted the money, {$730.00} in cash, and attempted to make a payment, when the machine came up with an error notice and informed me that my cash would be returned. A few seconds later, another error came up on the screen that said, '' unable to return your money ''. It then printed out a receipt with a contact number for me to call. I went up and spoke to a teller who told me the money would be found that night when the ATM was opened. I then proceeded to call the number listed and was told that there would be a credit within 48 hours to my account for this money. After 48 hours, there was still no credit. We called again and were told it would take seven days. After seven days, I still had not received the money or a credit to my account, so I again called and was informed that I would n't be getting the money back, it was n't their problem, and I was on my own. When I asked about interest fees and my credit report, I was told it was n't their problem. I called the local bank manager, and he gave me another story. He told me that the money would be credited since they found it, and they would take care of any fees associated with it, credit issues, etc. but to give him another few days for it to be done. On Monday, XX/XX/XXXX, I received a call from the bank manager, XXXX, again. He told me that everything was taken care of, and the credit would appear on the account within 24 to 48 hours. I waited until Friday, XX/XX/XXXX, and the credit still had not shown up. When I called up today, XX/XX/XXXX, I  was told that I had no right to be upset or worried, and that the credit would show up, but for now, there is no timeframe for it to happen.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  and XXXX XXXX
Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.
Starting nearly 18 months ago. My loan servicer Navient has been claiming they have not received my income based repayment application. XX/XX/XXXX- I applied for income based repayment. Shortly after I started receiving calls regarding my late balance. They asked me to resend it and they offered to put my plan on forbearance for 3 months to ensure it would stay in good standing. I immediately resent the application. XX/XX/XXXXXXXX I started receiving calls again claiming they had not received my application. Again they offered forbearance for 3 months. Again I sent my application. XX/XX/XXXXXXXX calls started coming again, this time I pressed them for more information, stating that I had sent it 3x already. Only then did they say " we have your application on file it is missing a signature ''. Again they offered forbearance, and I again I filled out and sent an application. XX/XX/XXXXXXXX Calls came in again. Again when I pressed them for more information they said that they received the application but that my tax return was missing ( it had been sent together with the application ). When, they offered to put me on forbearance I said no- I will send my app today and I expect a phone call within 48 hours. 48 hours later ... received phone calll, we received your application lets just put you on forbearance until it processes. XX/XX/XXXXXXXX Received phone calls that my account is passed due ... I told them, I am consolidating my loans, please dont ever call me again.
In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.
My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. 

My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.
There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money back
on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
On or around XX/XX/2015 I called to make a payment on my account at that time the representative from synchrony bank told me that I just needed to pay a XXXX dollar payment to bring my account balance current. I made a XXXX dollar payment, long and behold my account was still delinquent and then turn over to collections for charger off! I believe there was a communication/language barrier and this has been inaccurately reported! Had I known and been informed otherwise, I wouldve made a payment accordingly to keep my account current and not let it get delinquent. Now this is being reported as derogatory on my credit report.
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. 

I have contacted Santander and they refuse to help
I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open account?
There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.