WillisBack/dataset-financial-user-claim huggingface dataset:
For the past 18 months I have been disputing with Experian, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXX was added before called XXXX XXXX XXXX XXXX XXXX XXXX I also told Experian to remove ALL inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below.

XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX   XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX   XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX I also told Experian to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX and add the correct address.

and remove XXXX XXXX XXXX off employment.

My last certified letter that I sent Experian was on XX/XX/XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be
My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
For five years I have never been late on a payment with the merchant. The company, despite receiving returned emails and messages that my phone numbers were no longer in service reported me to the credit agency for my delinquency. The FIRST time the company contacted me by physical mail on XXXX/XXXX/16 I immediately contacted the company and offered to pay the full amount of my bill off but inquired with XXXX XXXX in the CMA department why they did not send the physical mail to me before reporting me as delinquent despite knowing that my emails and phone numbers were both coming back as not being in service. For a simple cost of a stamp my credit would have been saved and I would have paid instantly. My credit took a XXXX point hit for an trivial balance that I would have paid if I had any knowledge of any outstanding balance. The company charged usurious interest rates + late fees of over 350 % APR on this balance.
I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.
I answered a solicitation to have my personnel vehicle wrapped in a particular logo earning $ XXXX/week for 12 weeks. The sender mailed a check to me for {$2900.00}. This was to give the first week 's payment ( {$500.00} ) and the rest was to use towards the installation process ( {$2400.00} ). I was to send {$1200.00} ( XXXX ) to ( XXXX ) different people, using XXXX to send the money. This was part of the scam, stating an installation team would show up at my residence to wrap my vehicle and then remove the wrap after the 12 week period. 
When I received the check, I used the Navy Federal Credit Union ( my bank ) " edeposit '' method to deposit the check into my checking account. On " good faith '' NFCU honored the check within 2 days. On the third day, NFCU found the check to be fraudulent and took {$2900.00} from my account. I have filed a police report about the solicitation scam and realize I have loss that money. If NFCU would have not on " good faith '' put those funds in my account, I would have never proceeded any further.
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX   XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX ACC #   XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Opened a XXXX XXXX XXXX XXXX XXXX account XX/XX/2018 for {$5000.00}. 
24 months no interest. 
I have made 13 payments of {$210.00}.

I purposely paid an extra month.

I have gotten repeated late charges of {$35.00} and/or {$25.00} not sure of why the difference.

I have called and spoken to them 3 times. I sent a secure message twice.

When I ask about extra payment, they don't really explain it.

When I ask what SPECIFIC day they need payment to avoid late fee, that also is obscure. It's very confusing. Payments received before the XXXX or after XXXX are for different months. But when I say you charged me a late fee on the XXXX and received payment before XXXX, you post payment to that month. 
Anyway, I'm very confused.
On XX/XX/2018, I received results of an investigation that TransUnion had conducted on account # XXXX on my credit report. They stated that they had deleted this account and verified it as accurate at the same time. When I spoke to a customer rep on the phone, they stated to me the creditor which is XXXX XXXX XXXX XXXX had failed to verify the information on the account and that it was deleted from my credit report. But further investigation on my behalf, shows the account still listed on my credit report with TransUnion. This kind of erroneous reporting constitutes fraud on behalf of TransUnion, and I intend to pursue legal action against them pursuant to my rights under the guidelines of the Fair Credit Reporting Act.
They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.
I changed my bank account in XXXX 2016 and alerted Sallie Mae and changed my bank account number in their system and deleted the old account. I updated all auto-debit setups. First, in XXXX 2016 XXXX student loans went to the old account ( auto-debit ) and were declined. Now in XXXX 2016 the XXXX student loan ( also auto-debit ) went to the old account and was declined. I received notification on XXXX/XXXX/2016 that the charge did not go through and started receiving collections calls the same day ( even though I immediately paid all that I owed and the next month ahead as soon as I was notified ). I called customer service the same day ( call was recorded ) and the customer service rep admitted she could see no record of this other account and could n't understand why this other account had been charged. She helped enroll me in auto debit again and yet still my account does reflect the accurate information. There is no record of my pending payment, nothing ( even though the customer service rep could see I had a pending payment ). Sallie Mae 's systems are woefully out of date and the customers should not be punished for their shortcomings.
I 've disputed credit line entries on XXXX, XXXX, and Equifax credit reports. Many credit report line entries have been adjudicated by CFPB including robo-signing by major national bank credit card accounts such as XXXX, XXXX, XXXX XXXX XXXX plus more. 
Additionally, these fraudulent credit card accounts are resold to predatory debt collectors - adjudicated by CFPB already. Many debt accounts are XXXX or XXXX debt placements and many exceed MN Statute of Limitations for debt collectors. I require CFPB assistance?
Initially I disputed an item/account, which came back as verified. I believe that the investigation is questionable.
Have a medical bill that 's not mine from  XXXX  collection company for  XXXX . Never went to the hospital tried to call the hospital they wo n't respond. Now I 'm in collections!! I have insurance and the insurance they have is from a previous job that I have n't work ed in 5 yr s.
The Chase branch on XXXX XXXX in XXXX, Texas has closed all the drive thru windows with tellers and has reduced the staff inside to XXXX teller. This leads to a long line inside all the time and for those of us who are senior citizen depositors we are having a very difficult time with our banking services. The local manager is very nice and helpful but the district office has made these decisions and he has no control over this problem. This branch has larger deposits than the other branch which has XXXX times the staff. XXXX of the employees told me that some XXXX at the district or regional level made the decision to do this after they put in a large amount of automated equipment and to justify this decision they would force the depositors to use this equipment at this branch. The majority of depositors in this part of town are senior citizens and we have a great deal of difficulty with this and need a person to help us with our banking services, Thank you.
Your continuous calls and such conduct has caused me to suffer severe humiliation, embarrassment, emotional distress and physical discomfort. Please take note that any unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. I am being caused mental anguish because of these unfair debt collection practices. I will be seeking and filing mental anguish and economic damages due to these deceptive trade practices. I will seek financial relief and any further contact will be recorded. Please refrain from the abuse or I will continue to file complaints and contact others that have had similar experiences to start a rally against your company.
I requested two SEPA Euro withdrawals from Coinbase/XXXX on XX/XX/XXXX and XX/XX/XXXX for  the amounts of XXXX Euros on XXXX and XXXX Euros on the XXXX. 

SEPA tranfers should normally tak 1-2 business days but I am still waiting for the money to credit my XXXX account. I have sent countless support reuqests to XXXX and Coinbase ( they are the same company but XXXX is their more 'professional ' exchange and Coinbase is their simple front end interface ) I have nothing back from their support function apart from auto response emails. I believe this problem is wide spread as there are lots of Coinbase/XXXX customers saying similar things. The interesting this is the higher withdrawal amounts do n't seem to get processed. I have made SEPA transfer from Coinbase after the XXXX for smaller amounts which have been processed ... But the two larger payments made on the XXXX and XXXX have not been processed. So it seems Coinbase/XXXX are deliberately hanging on to the larger deposits ...
Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.
ALREADY ENTERED INTO A PAYMENT AGREEMENT hello, My name is XXXX XXXX and I am writing because I was recently made aware that you have submitted my name and address to the CRA 's in regards to a debit of : {$140.00}. I recently, about a month ago, contacted your company in regards to not having this item listed on my credit reports, and entered into an agreement to pay off the debt within 6 months with my credit card. Your company has since lied to me about this not being reported. I DEMAND that this entry be stricken from all the CRA records IMMEDIATELY or you can CANCEL the payment arrangement. If any payments hit my credit card, and you have not requested your trade-line removed from all XXXX agencies, I will report the payment as fraud! THIS IS NOTICE TO REMOVE THE TRADE-LINES OR CANCEL ANY AND ALL PAYMENT ARRANGEMENTS!
XX/XX/XXXX, I contacted my credit card company to inquire as to why my Experian credit report failed to show any record of my credit card account that was opened in XX/XX/XXXX and is still open to date. I was told by my credit card company that they were reporting it to all three credit bureaus every month and that I should contact Experian, and file a dispute with the credit card company to have it thoroughly investigated, which I did both. When I initially contacted Experian I was told that they had no record of my XXXX credit card account, so I needed to contact XXXX. At that time I submitted the dispute form to the credit card company, XXXX, and I received communication that they were accurately reporting to all three credit bureaus and that I should contact Experian. Today, XX/XX/XXXX, I contacted Experian again after noticing that my XXXX credit card account still has not been displayed on their report. I was told this time, that the account was removed from my credit profile, by Experian. I was told that it was an internal policy that they remove any accounts that has potentially negative information for anyone who is listed as an authorized user. Experian proceeded to explain that if there were no negative marks on the account, in my case one 30 day late payment reported in XX/XX/XXXX, they would keep the account displayed on my credit report. I was told by Experian that if I was added as a joint member on the credit card, all of the credit history with it would return to my Experian credit report. This seemed to be an easy fix, but my credit card company enforced a policy, without notifying consumers, that they will no longer provide joint credit accounts, and this attempt was failed when I reached out to my credit card company. 
With this internal policy that Experian has, I find it unfair, contradictory, and untruthful. What this policy allows is for authorized users to take credit for positive behavior that " does not belong to them '' when good marks on accounts are posted. This policy also allows for authorized users to not be held responsible for the account when negative marks are made because it " does not belong to them ''. In my situation, this policy is hurting my credit report because it is the majority of my credit history. Although I asked that it is reported on my Experian credit report with all of its positive and negative markings, to reflect the honest credit history, I was told they will not do so because this policy is in place. In this case this policy is hurting my credit score by not reporting my nearly 48 months of history because of one late payment. This policy is dishonest and misleading.
I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.
I received a letter a week ago from a debt collecting company ( XXXX XXXX XXXX ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
I 'm a victim of identity theft. US Bank XXXX is reporting a credit card that is not mine. I 've disputed this account and it has not been deleted off my credit. I have a police report and identity theft affidavit that I will include. Please delete this account off my credit file immediately.
BBVA is engaging in illegal harassment and intimidation as a result of my previous successful complaint XXXX in which BBVA admitted wrongdoing and giving out false information. BBVA first blocked my online access and now is refusing to permit me to close my account and give me my funds even though these are collected funds in good standing with BBVA for over six months. PLEASE HELP!!!
We have a mortgage with Penny Mac mortgage and it had PMI. We started the process ( XX/XX/2017 ) to remove the PMI and they had to order an appraisal. When that process starts they tell you they can charge 400-1000 for an appraisal. Appraisal price very from conve., fha or VA, square footage, rural or anything extra they have to do. That's why they have to give you a price range. They charge me {$820.00} for a simple conventional loan in the city. Nothing extra which they should of only charge XXXX max. If you call anywhere or ask anyone that's the price range for a conventional loan, normal sqft in the city. I don't leave in the country or rural area. They are charging twice as much for reg conventional appraisal. If they don't let you get your own appraisal they should contract someone that is in your area so they don't charge {$400.00} extra that what I'm assuming happened but not sure why they are reaping me off. I try to ask question of how much is the appraisal charging me but since the mortgage co. Contract them they can't answer any questions. Penny Mac should have the consumers best interest to have appraisal companies that do not reap borrowers off and that are in the area. As a consumer they should have the best interest for us the consumer and not to fill there pockets. I have tried to work it out several times but they will not cooperate. Thanks
XXXX agreed to remove me from their database and not to wait 5 years, if my banks Santander, N.A. and XXXX XXXX intervene and tell them to remove me, since I payed the balance of {$330.00} to XXXX XXXX and {$850.00} to Santander, N.A. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.
I have requested that Total Card Inc. send a contract bearing my signature or remove the fraudulent account from my credit file.