WillisBack/dataset-financial-user-claim huggingface dataset:
I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}
I am at my wit 's end with Wells Fargo and completely about to lose my XXXX! Please follow the bouncing ball : 1. On Saturday, XXXX XXXX, 2016 I went into a local branch ( sorry you now call them STORES ) to sign documents for a personal line of credit which I had secured via an on-line application. 
2. On Monday, XXXX XXXX, 2016 I received an E-mail from Wells Fargo advising that the loan was available. 
3. I logged onto my account only to find that {$6300.00} had been removed from my savings account, but THOSE funds nor any other funds had been made available to me. So they were holding my own money and I could n't access it. 
4. I immediately contacted the branch by both phone and E-mail and did not receive a response until after XXXX when a VERY condescending and rude XXXX XXXX XXXX called me. I understand he is the assistant branch manager and trust me, he needs to be fired. 
5. XXXX XXXX not only DID NOT want to assist me with solving the issue, he was insulting and would not let me ask questions. Every time I tried to say anything, he would begin talking over me. He 's XXXX, by the way. No customer should EVER be treated like I have been treated by this man or by any bank. 
6. On Tuesday a.m., XXXX XXXX, 2016, I was at the branch when it opened and requested that the loan be canceled. I asked XXXX XXXX to put in writing that he was canceling the loan as requested. He refused to do this. I left the bank not knowing whether he would actually do as asked or just bury the paperwork and leave me floundering. I think that IS exactly what he would have done if I had not gotten other people and posted comments on social media. 
7. On Wednesday, XXXX XXXX, 2016, I finally received a phone call from someone named XXXX in the " Executive Office. '' XXXX said the funds had been returned to my account that afternoon. When I logged into my account, the funds that had been withdrawn had indeed been returned to me. She said the loan was canceled. 
8. WAIT FOR IT ... .Because I no longer trust Wells Fargo , I logged onto my account just before XXXX only to find that {$6300.00} had AGAIN been removed from my savings account. 
9. I tried to talk to someone last night which was a COMPLETE waste of time. 
10. I have e-mailed, called a dozen times, sent messages, everything I know to do and crickets. Here it is Friday and no one is working apparently. Sure as XXXX no one is trying to resolve this issue for me. What XXXX happened to putting the customer first? What XXXX happened to the customer is always right? These are obviously not part of a code Wells Fargo chooses to follow. 
11. The {$6300.00} is MY MONEY, not YOURS! I want it returned to my account TODAY, no excuses, no exceptions. I want a FORMAL apology and I want interest.
Disputed Debt .... I do not owe  XXXX  or NSA who is now trying to collect a bill I Do Not Owe. I do n't owe not One Cent..      Fraud and Extortion ... I cancelled the services after My Bundle was broke up with a New  company  XXXX . Pay off  XXXX  and  XXXX . Started a new service with   XXXX   and   XXXX  .     I have requested to have this item removed and my good name restored. I have disputed this bill debt with  XXXX  and  NSA  in writing. They try to get me to pay something ...  XXXX  the first time,  XXXX  the second time. I told them i owe nothing ... .and i will be paying nothing.     I disputed this debt and owe no money. all services were paid in full. This fraud and extortion to obtain monies not owed. After i have been loyal and excellent customer for years.
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX Gold key credit XXXX XXXX XXXX XXXX
As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.
I 'm filing this compliant against Ocwen Loan Servicing , LLC, I submitted a modification package to have my loan amount and payment reduced due to financial hardship and because the house had dropped roughly XXXX %, my modification was approved in XXXX 2015, but the loan amount was escalated to {$290000.00} from {$110000.00}. I felt rushed to accept this deal, so I would n't lose my property. Please investigate the financial structure in which the loan was underwritten and other stipulations in the agreement.
Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.
Account number ending in : XXXX Important information about your account ... 
Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''
In XX/XX/2016, I received a letter from XXXX XXXX XXXX stating that I won the amount of XXXX . Their only requirement was to show up at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Texas XXXX to claim my price. 
Once I got there, they asked for my personal information to make sure that I was the winner. After several minutes of waiting they told me that I wasnt eligible for the promised XXXX . Right after that disappointing they tried to sell me a car, which I didnt wanted. Thats when Ive noticed that it was all false advertisement and left the place. What upset me more about this situation was the fact that they ran my credit twice that day without my consent. Now Ive noticed that there is two unwanted inquiries on my credit report, under the name of XXXX XXXX.
Barclay 's Card Knowingly Allowed Scam Artist Merchant, XXXX to Forge My Signature for {$250.00} purchase using their credit card. I did not sign Acceptance of Services Agreement form. XXXX Agent XXXX XXXX hacked my computer to obtain fabricated GA Driver 's license information and attempted to hold/lock my computer for ransom. 

No purchases were made with merchant XXXX. I provided proof of forgery to Barclay 's but they ignored me and forced me to pay for fraudulent charges by XXXX. 

Originally, Barclay 's Fraud Department agent said that they had mailed me {$250.00} refund but refund check never arrived. Then they deleted records from logs with reference to promised {$250.00} refund in mail. 

Now, they completely ignore me.
I was contacted on XX/XX/XXXX concerning a medical bill by Capitol Accounts. I sent the company a certified letter on XX/XX/XXXX to the address they provided via email to dispute this bill. I also responded via email on XX/XX/XXXX stating I would be disputing pending verification and that I would follow up with a certified letter. I have not received a confirmation that they have received my letter. Now they have put it on my credit report without providing me with any proof of this bill and my liability. This is illegal since I disputed within the 30 day period
I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.
At extremely XXXX, I required to XXXX file XXXX charging complaint against Bank of America that they made extremely neglected against XXXX XXXX XXXX in their bank records included employees do not like me and my appearances so they did not let me know about a refund check in leading increased complaints with Bank of America will be continually increase suicide lead to XXXX XXXX XXXX. At extremely, I was not happy with Bank of America account that they did not tell me about how long do I join with Bank of America because of that I can not remember and I did not understand that BOA mailed me XXXX packaging included documents as please take enclosed document to authorized person who understand reading more than mine at this requests. I was not happy with Bank of America at formal request. I knew that Bank of America employees still refused released printed rent checks with sad icons in their banking computer with my bank account. They acted in XXXX that they afraid released my rent paid check with sad icons forwarded to Speaker XXXX XXXX and XXXX. Senators, plus YOUR HEADQUARTERS ADDRESS IN NORTH CAROLINA MUST YOUR RESPONSIBILITY FORWARD TO YOUR STATE XXXX. SENATORS ABOUT MY PRINTED PAID RENT CHECKS WITH SAD ICONS AT FOLLOWING REQUESTS. It was not resolved problem will be remaining stay extremely complaints. see next page:
My daughter went to the XXXX after a wreck she was in with me. She currently has XXXX and did at the time of service. Her father has full custody and is responsible for all medical bills. At the time she needed med attention right away so I took her. They contacted her father and got insurance information. A few day later I got a call from the hospital saying the insurance was denied because the car insurance of the other driver was responsible and got the ticket. Her father contacted them and they agreed to pay the bill after all. About a month later I get a call from United Revenue Corp. I explained everything even gave them her fathers number. They stopped calling me then I saw this company on my credit report. I called them and they were very rude. Said I had to pay this. We called the hospital and they claim XXXX paid the bill. I told this collection agency this but they said they have not received anything form the hospital. I told them even so I am not responsible for medical bills for the children as part of my divorce agreement. I am solely responsible for child support and educational bills for my children. They did not want to hear it my ex husband called they would not even talk to him about the account. Somewhere between XXXX and the hospitable and them there records are messed up and this is effecting my credit now
Relocated from   XXXX   XXXX   Florida to  XXXX  Florida due to being unemployed.
I found a job on   XXXX   XXXX  . I leased my home in   XXXX   XXXX   Florida to try to off set some on my bill. I request a RMA with Carrington mortage company and was denied.
They stated that I must live in the home now. I want to keep my home as I will be returning   XXXX    2018.
I hav previously disputed with Experian about my identity theft and I do not seem to go anywhere with them because they continue to verify those accounts and keep them on my credit report. I am sick and tired of this. I want those items remove immediately or I will seek legal remedy. This is the last chance I am providing Experian for them to do good on this ID theft which is very detrimental to my credit report. This is affecting me personal since I am looking to get an insurance office but those items that appear on my credit report which are all ID theft are hurting my chances. Experian you need to act now or I will see you in court!!!
I have a citibank checking account for more than a month now. But i am not able to access it online. Every time I am getting this message " We 're very sorry we 're having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' On phone or via email there is no help to get proper support. I am clueless how to move forward.
Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
On  XXXX   XXXX ,   XXXX  , I called TransUnion to dispute the inquiry on my credit report. When speaking to  one  of Transunion 's employee 's, I was informed that the inquiry would be coming off my credit report in  XXXX  so there was no further action needed. It is very unprofessional to ask someone to wait to have inaccurate information on their credit report just because it will be removed in a few months. On  XXXX   XXXX ,   XXXX  , I sent a certified letter to Transunion asking to remove an inquiry on my credit report as I have not requested the company to run my credit. I received an updated copy of my credit report on  XXXX / XXXX /  XXXX   which is still showing the inquiry.
XXXX XXXX XXXX is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
I have wrote several letters regarding this last year, and to no avail, nothing was done about this. I have just received new credit reports, and I have decided to take the process a little further. I have also mailed a certified letter to the XXXX XXXX XXXX of Texas, in regards to this situation. My compalint is with Experian Credit Burea.I am disturbed that Experian continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is the credit bureaus policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, I would appreciate a response within 14 calendar days from receipt of this letter. Thankyou.
This item came back as belonging to me. I paid off this credit card and its showing I owe a balance of {$180.00} and charge-off. I have attached my last statement where it show 's {$0.00} this account never went into a charge-off status. Please remove from my credit reports.
On XXXX XXXX, 2016, loan officer at Wells Fargo ( XXXX XXXX ) sent me a text message, asking me to email all of our sensitive financial information ( 2 years taxes XXXX 's, XXXX 's, 2 months bank statements, paystubs, etc. ) to his personal email address to start the application process for a refinance of our mortgage. Come to find out 6 days later that the email address he asked me to send them to was the wrong email address, meaning that a total stranger now had all of our financial information. After we received conditional approval, I paid {$800.00} for the appraisal on our home, which finally took place on XXXX/XXXX/16. On XXXX XXXX, I was sent a loan estimate to approve before closing. I noticed that there was a XXXX % penalty fee added to the loan amount because the loan rate had expired ( which had absolutely nothing to do with us ). We have responded immediately to all requests for documents, and the reason for the delays have 100 % been on the shoulders of our loan officer and Wells Fargo. We are now going on 5 months for our refinance, and we are sick of the excuses for the delay, and, obviously, I am very concerned about our sensitive financial documents being in the hands of a total stranger. I filed a formal complaint with Wells Fargo Mortgage customer service 3 weeks ago, and they will no longer return my calls. I have attached a screen shot of the text where XXXX XXXX sent me the incorrect email address, then sent another text 6 days later apologizing, and sending me his correct email address. By this time, the damage was already done.
Wallet pick pocked in 2013, promptly notify bank and filed a police report. 
New credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). 
Tell me everything is okay and that I am not responsible, but the amount owed keep going up. 
Keep sending emails that I need to pay due to outstanding balance. 
No resolution after numerous phone calls since 2013.
Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.
for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.
I have been paying for a monitoring service from XXXX XXXX XXXX/Experian for the past 2 years and I have not been able to get all 3 scores only Experian .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that XXXX does not have my correct social security number. I have called XXXX and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.