WillisBack/dataset-financial-user-claim huggingface dataset:
I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You
XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.
Last XX/XX/XXXX, I contacted US BANK by faxing them a letter, a copy of my FTC ID THEFT REPORT and temporary police report. I dis this to report to US BANK the fraud charges that was applied to my account. I would like to call the attention of the CFPB to report US BANK 'S VIOLATION and call their attention to take action and delete the account from my credit file. This is what I stated on my police report and FTC report : " I am a victim of IDENTITY THEFT. I have a US BANK SECURED CREDIT CARDaccount # XXXX. Opened XX/XX/XXXX with $ XXXX limit. I made some charges on this card for approx {$1800.00}. I've made payments on this account and US Bank accepted my payment. Aer accepting the payment, they pulled/withdrew another {$1800.00} odd from my account! 
I disputed the UNAUTHORIZED TRANSACTION and they returned the money the took from me, but US BANK still gave me double balance which is now showing on my credit report. The reported balance in invalid and UNAUTHORIZED and some used my account or personal information to put those unauthorized transactions /amount balance on my account. Everything amount I owed US bank Has been paid off! Whatever amount they are reporting is unauthorized and fraudulent! ''
I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.
Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires listed bellow be REMOVED XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
This debt does n't belong to me I never rent a property with Westlake Financial. I request this account to be removed from my XXXX Credit Bureau.
I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!
I received a postcard in the mail for my Citizens Bank One Deposit Checking account ( # XXXX ) The postcard offered a {$50.00} bonus for making three online bill payments with the new checking account between XX/XX/XXXX and XX/XX/2018. I made three such payments between XX/XX/XXXX and XX/XX/XXXX. 

Per the offer terms, that bonus was due XX/XX/XXXX. I have still not received it. I sent the company a secure message in XXXX and have still not heard back.
XXXX, XXXX  SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes.

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX  Mort Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In early XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.
The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Unemployment has a contract with Bank of America, XXXX XXXX XXXX. XXXX was a bad year for our family. We were unemployed, and had the flu, like most of the United States, we were barely making minimum payments to Bank of America, in XXXX XXXX, XXXX XX/XX/XXXX we were deathly ill. I called BOA concerning for lack of payments from us and why, they were confusing the unemployed account, with the XXXX XXXX XXXX account. In XXXX we informed them our rent went up and we were not able to make a payment, which they conviently increased from XXXX per month to XXXX per month. then XXXX I made contact, pleading for help, explained again our situation, they told us they would FREEZE our account until we could reach a positive, by agreeing to automatic payments, I gave them our bank account information as to have our account to take monthly payments to BOA, I asked if when I could make a bigger payment to help clear our account so we may use it again they said yes, upon making this call, I was informed they had closed the account in XXXX, But it was in XX/XX/XXXX we had made this agreement with BOA when we sacrificed to pay XXXX to bring the account current, then make monthly payments of XXXX.until it we met their agreement. The customer service rep for collections did not know about the Freeze program We agreed to, making the payment along with the monthly payment agreement to keep our account open. But the customer service rep explained they do have this program for those like us needing help, as per the agreement, they failed to honor their end of it. Although we are in the green with them We reapplied for their card again, only for them to deny our application.
After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and XXXX XXXX to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you that you gives you obligation to try and collect a debt. 
If you did n't purchase this debt then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. REGISTERED MAIL : XXXX is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
In the last correspondence Card.com has claimed to have blocked my card. Howevver, the intial request to block the compromised card came before the unauthorized charges took place. ( initial request on XX/XX/2016, copy of notification enclosed ) Additionally, despite recieving a completeted affodavit form, I was sent a letter for each disputed trans action from card.com dated XX/XX/2016 with thecstatement that the affidavit form was not received. Mind you, this was after receiving confirmation from XXXX separate representatives that the completed form was received succesffully. ( PLEASE SEE EVIDENCEENCLOSED ) When talking with card.com over the matter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 55 times. I was told that my form was received about 90 percent of the time. This would also include written correspende confirming its receipt prior even proor to thedated later. 

I have went over and beyond my responsibility as a customer. Both faxing and emailing the affidavit form. 

Many times the contact to card.com was a three way call with an agent from bancorp bank making the call on my behalf. I was in fact promised the credit over 12 times on a recorded line! 

The fact remains that card.com has told me that they received my signed and completed dispute form and yet have devlined my credit based on not receiving s completed dispute form only to have me resubmit my dispute over and over and over again. 

Ive escalated my complaint several times only for the escalation to be replied with promises by people apologizing saying they will prrsonally seek the proper handling of the resolve to no avail. 

The continue neglegemce of card.com has caused seriest financial damages to me and my family and they need to take ownership of their failures and lack of proper hsndling as i continue to endure grave damages as a redult of their inaction and false promised.
Acct. XXXX
XXXX
I am requesting a copy of my Home Apprasial that was done in XX/XX/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.
I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.
I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.
Capital One 's systems disable my email account and was not sending notifications. I rely on these notifications for making payments and getting information about charges. The previous month I had problems and called but was assured all was okay. I then had another late payment and called again to find out why the email notifications on this account were not working. The technical team got to the bottom of it and it was Capital One 's systems that disabled my email. They assisted in unblocking my email. But I was charged another late fee of XXXX on XXXX/XXXX/XXXX. I then decided to setup auto payment because the Capital One systems were not reliably sending out account notices as they assured customers that there were doing.
I was laid off in XXXX, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, XXXX XXXX. 

Neither my XXXX with XXXX or the HELOC with Chase were mentioned. 

XXXX notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. 

Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told " Not until you 're discharged ''. 

By the time the discharge was in my hand, Chase had transferred my account to 'modification ', which I had NOT requested, again refusing payments until 'modification ' was resolved. 

From XXXX, XXXX to present, EVERY call I had with ANY of the numerous agents I was 'assigned ' to contained - " I want this resolved so I can resume payments '', as a review of their phone logs will confirm. 

EVERY request I made to resume payments was met with refusal. 

In XXXX, XXXX, I resumed payments, which were accepted until XXXX checks were mailed back to me in XXXX, XXXX. 
Another payment was accepted in XXXX, XXXX. 
From XXXX, XXXX until present, I 've supplied every document Chase requested, multiple times. 
I have been put through the same process over a XXXX times, each time with a different agent, having to go through the same process time and again. 
NO one in any position of authority at Chase has never accepted responsibility for the position they have put me in, even though the last XXXX agents I 've had to deal with, XXXX XXXX, XXXX XXXX and XXXX XXXX, have agreed that a ) this is wrong, b ) this is not of my making, and c ) I 'm not the only XXXX this is being done to - not that I ever thought I was alone in this. 

Since XXXX, XXXX, when I got notice they would no longer accept payments, all I 've wanted to do was resume paying the indebtedness I agreed to pay. 

Chase is now demanding what they are calling 'delinquent ' in XXXX sum or they will foreclose, and XXXX agent told me that Chase had foreclosed in XXXX while I was still supplying the requested information. 

Both the Housing Counselors at the XXXX in XXXX, and an agent I spoke with about a Reverse Mortgage said that this is a tactic Chase has been using for years and they hear the same story time and time again. 

I feel Chase has purposely put me in a position I 'm not able to survive.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax fraud division REPORT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : Regarding account : XXXX XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather than using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

I am a victim of identity theft. I am requesting that this account be block according to the pursuant to section XXXX of the Fair Credit Reporting Act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the request this is an ongoing issues with Equifax
I went to ace cash XXXX in Minnesota .... To cash money order ... XXXX One person only there ..the person told me to sign it n give social ... .then came bac saying could not cash ... ruining that money order ... She looked at me laughed n said sorry nothing I can do ... she then later a few days ..that she had expressed to another coustumer that I was there to cash money order but could n't and I caused a science ... which was not true ..I feel like my private info was told n discussed and a person came n told me about that ..I was like how did u know ... .was said XXXX XXXX working there told her ... .how imbrassing n my rights have been violated., ... ...
I wanted XXXX XXXX to validate the accuracy of what they was reporting on my credit report. Sent them 2 letters the XXXX letter was on XX/XX/XXXX they didn't respond within 30 days, 2nd letter was on XX/XX/XXXX they didn't respond within 30 days. Now they send me a letter saying for me to contact XXXX, XXXX, and XXXX myself to figure out what happened. I disputed with XXXX XXXX not the other 3 agencies, also was not notified of investigation status or results.