WillisBack/dataset-financial-user-claim huggingface dataset:
I have had identity theft happen to me. When I found out, I contact the sheriff 's department and I made an identity theft report # XXXX at XXXX sheriff 's department on XX/XX/2015 I contacted XXXX and XXXX and they removed all the accounts that were n't mine in 90 days. But I sent TransUnion many letters, e-mails, and phone calls and they refused to remove the accounts that were not mine ; 1- XXXX XXXX XXXX 2- XXXX # XXXX 3- XXXX # XXXX 4- XXXX # XXXX Last phone call I made was with XXXX employees names XXXX and XXXX. They told me that they 're prohibited to accept the police report. Also, I need to contact the creditors and when I did, they asked me to pay XXXX % of the amount so they 'll take it off my credit. I am very frustrated with TransUnion because they kept these accounts that are n't mine on my file for almost one year now. It kept me from applying for jobs and paying high interest on my credit card. My car is in bad shape and I ca n't buy a new one because I 'll have to pay high interest if it approves me. Please help resolve this issue with TransUnion, I 'll appreciate it very much. Thank you.
I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.
Debt Collector - North Star has been harrassing my phone, calling 10 times in two hours. Asked them to stop and they keep calling.
Greetings, I have a complaint against Experian that started to decrease my credit score since XX/XX/XXXX on a weekly basis without any apparent reason. Please see below : XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 15 points. 

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 6 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 3 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 12 points. 

I contacted Experian several times, wrote a letter by mail, and instead of giving me any response, today they decreased my score again. 
During this time frame -from XX/XX/XXXX-XX/XX/XXXX I paid off 4 credit cards. Two banks  increased my credit line -XXXX Credit cards -from {$13000.00} to {$18000.00}, and XXXX XXXX - from {$5000.00} to {$10000.00}. And this all happened within the same time interval. In spite of all this, Experian dragged my score from Good to Fair. 

Please help me deal with this company that decreases my score as much as they want without any solid grounds for that.
In XXXX/XXXX/XXXX I prepaid XXXX {$380.00} using my AMEX card. After I returned the car, XXXX charged my AMEX {$500.00}. I disputed the {$500.00} with AMEX and they reversed the charge, investigated and resolved the issue. Unknown to me, AMEX then disputed the {$380.00} but this amount was never credited back to my account. In XXXX XXXX, I received a letter and email from XXXX internal collections asking for the {$380.00}. I had multiple calls to AMEX about this issue and each time I was told I did not owe XXXX and they had been paid. XXXX collections presented me with a document stating they had not received the funds which I forwarded to AMEX. I heard nothing more and assumed it was resolved. On XXXX/XXXX/XXXX I received notification in the mail that my account had been sent to and outside collection agency for the {$380.00}. I called, explained the situation and was told that if AMEX provided written documentation that XXXX had been paid, they would stop the collection proceeding. I called AMEX and was told repeatedly that XXXX had been paid but everyone from initial phone rep, to supervisor, to supervisor of supervisor, refused to send me anything to confirm what they were telling me. They opened another dispute - even through I do n't dispute the charge and promised to expedite and call me back on a certain day and they did not keep the promise. I ca n't get anyone on the phone to help me - only promises and told I have to wait for the " investigation '' even through they investigated this same amount back in XXXX. I paid AMEX for the {$380.00} charge by XXXX but either AMEX did not pay XXXX or XXXX ca n't find the payment and I am being held responsible. No one at AMEX seems to be able to contact any one at XXXX. I have stellar credit history and do n't want anything to change this since it is not my fault. I need someone to intervene in this circle of corporate indifference and horrible customer service.
This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks
XXXX XXXX,2013 XXXX XXXX was already paid. However its still showing on my report that I owe {$1600.00}
I recently worked with XXXX Housing department and theyhelped me with the modification packet and helped prepare me with alldocuments to make sure the evalulation could be done. That was onXXXX XXXX. My mortgage company NationStar wrote a letter confirmingthey received my request for modification on XXXX XXXX and theyalso informed me that they would not forclose or that I would not loosemy home during this time of evaluation. I provided all documents as re-quest of me on the time frame that was asked from me. attached is allthe documents and dates, and faxes that pertain to my modification. onXXXX XXXX the mortgage company posted a legal court documentstating that my property was sold. They sold my property without noticeand without a fair chance at the modification or notify me that I did notqualify for the modification. My rights have been violated. I have lived inmy home for over XXXX years and I am devastated. Please Help!
I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.
I 've contacted Bank of America several times for specific information in reference to mortgage loaner passing away without a will. I was given several steps from gathering an affidavit of heirship and affidavit of small estates from the courts signed by a judge. I 've collected all court documents and submitted all requested information however, still unable to communicate. Every time I speak with a representative, something is different. Can you please assist me or possibly direct me in the right direction?
I have an old outstanding credit card debt that I am currently paying to a debt collector, USI Solutions , Inc. on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling one of my sons this morning three times within a XXXX minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?
On  XXXX   XXXX ,  2016 , I applied  for a Lowes Credit Card to finance the purchase of my kitchen remodel of approx. {$50000.00}. I was told that the remodel will take 2-3 weeks once the kitchen cabinets arrive. The remodel has been completed but it took 22 weeks!!!!! I went 8 weeks without a functioning kitchen. I have incurred out of pocket expenses due to this delay that was not of my during. I have repeatedly contacted Lowes Corporate Office indicating that the matter would be escalated until resolution. I still have yet to be contacted and/or reimbursed for my out of pocket expenses, plus any compensation for the inconvenience of the delays.
i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.
Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XX/XX/XXXX GI BILL.

For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across XXXX looking to collect same debt, then again a year later Nelnet looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XXXX   GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was an " internal error '' and that all my information had been deleted. You should n't be able to call yourself a credit reporting company and not be capable/willing to provide your consumers to information that is rightfully theirs. I could make a manual request through the mail, but this company should not be allowed to claim to offer free credit bureaus if it is unable to do so.
I have contacted this companies ( XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the Fair debts collection practices acts section 1692G.
Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.
Credit Burea Trans union stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Our loan officer at Mortgage Lenders of America disclosed our family 's bank account balances, our income, credit issues, and other private financial information to our realtor WITHOUT our consent. Then, his management basically did everything in their power to discourage us from moving forward with our home loan causing us to miss our closing date, forfeit our earnest money, appraisal costs, and moving costs.
I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid.
This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.
My complaint is against Bank of America credit card department. I have tried multiple times to set auto pay and was told it was set. I have everything set this way and it is an easy thing to do for peace of mind. The app does not allow you to set auto pay. I am not sure why cause who would not want to make it easy for the consumer to give you money, and an app should allow you to make payments and check balances, but theirs does not. I have called to complain and was told via phone several months ago that my auto pay was set. I usually go in on my app and make extra payments and future payments too. So I never noticed that the auto pay is not set as I had thought. I was shocked to find a notification today that I am 5 days late. Why they tell you five days later who knows but I made the payment and noticed I was charged {$29.00} fee. I called to ask the fee to be waived and a one time forgiveness, and once again assistance to set up auto pay. It took me at least an hour because you have to go online desktop only to set and they told me the passcode is the same but it wasn't. So once again I have to call for assistance just to login. It should not be hard to make a payment. I am set for auto pay and extra payments to ensure it will not happen again and ask BOA to please waive fees and late pay history for this one time.
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.
I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.
have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.
I recently was having my wages garnished by a debt collection agency ( Eltman Law, PC ) they were garnishing my wages for more than XXXX moths. Once I noticed and realized what was happening I contacted ( Eltman Law, PC ) they sent my a letter stating the ( Creditor ) and the ( Amount owed ) and ( Account # ) they said the account was opened on the year ( 2000 ). This account does not belong to me. Also if this account is from the year ( 2000 ) its been more that XXXX years that this debt has been outstanding. It is ILLEGAL for ( Eltman Law, PC ) to collect.
My HSBC personal account and business account has been hacked since XX/XX/XXXX. I notied today. There were several transactions to transfer fund from my accounts to unknow accounts. I called HSBC security dept. I was told that someone login from New York to do the transactions. I am currently in XXXX. I have not login my account for almost a month.
I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX
I have tried several times to get this rectified as you are reporting erroneous information and now I will be contacting state legislation and my elected officials regarding this information. The following accounts are incorrect : -XXXX  XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX ( XXXX ) Both XXXX XXXX XXXX accounts are reporting incorrectly as discharged as student loans were not discharged in bankruptcy. Also XXXX XXXX  is reporting incorrect information and was never late within bankruptcy. All accounts are scheduled to come off within the next 3-6 months. Please delete the accounts ( early exclusion ).
Submitted a claim for disputed transaction charge from my debit card with Chase Bank due to an illegal charge from company XXXX for {$480.00} on XXXX XXXX, 2016. This ticket company XXXX has violated their charge policy regarding selling of ticket. The ticket price was {$800.00}, and since XXXX did not accept a " Credit-Card entry '' ticket for XXXX concert, this company charged my debit card {$480.00}, even though their policy clearly states that they can only charge XXXX % off the ticket price ( XXXX % off {$800.00} should be {$160.00}, instead of {$480.00} ). XXXX refused my dispute, and only provided refund of {$120.00} instead. Thus, I had to dispute the transaction directly with Chase Bank, but the claim was recently rejected on XXXX XXXX, 2016 and the temporary credit is now removed. I actually work for Legal Department at Chase Bank and reviews all the legal CFPB complaints on daily basis, the charge by XXXX was clearly illegal and violated their policy ( stated on their website ). Please provide your assistance in order to refute the rejected claim, so we can come to a resolution and return the charge back to my debit card account. Thank you in advance for your assistance.
On Wednesday, XX/XX/XXXX at XXXX XXXX I called Navient and spoke with XXXX ( employee # XXXX ). I was calling to switch my payment plan to my checking account instead of my card due to missed payments. He asked me if I could make a payment that same day and I said no, next week, meaning in 8 days as I get paid biweekly. He said that there hadnt been a payment in 2 months and I explained it was due to my card information. He then explained to me that I would have to make a payment now because my account was past due. He asked me if I noticed that I had extra money in my account and how come I spent it? He said how come you spent that money? At that point I told him that I needed to change the account information so that from now my payments would be deducted from my account directly and he stated to call back when you have the money and then hung up. I was so upset from this conversation that I didnt call back the company until another 5 days after to resolve the issue. When I did call back, I had to problems with the customer service representative I spoke with and everything is now resolved. XXXX was extremely rude and not professional. He asked about my personal spending and wanted to know why I spent the extra money. What if I had an emergency situation? Who is he to ask this information? I have been dealing with Navient since I graduated school in XX/XX/XXXX and I have had rude representatives, but none as rude and unprofessional as he.
I disputed a bankruptcy with Experian and XXXX. XXXX   removed it but Experian and XXXX refused to.