WillisBack/dataset-financial-user-claim huggingface dataset:
Upon checking my credit report in XX/XX/XXXX I had seen 13+ fraudulent accounts and while it was a very stressful time in my life most creditors let me know that they would do a timely investigation and would walk me through each step, almost XX/XX/XXXX now and the only creditor who refuses to do a accurate Investigation is Chase. The accounts held with chase have absolutely NO MERIT. They revealed that they confirmed it was me with a code that sent to a fraudulent phone number that was not mine! But Chase said they confirmed it was mine?. I am very curious to know how they confirmed this?. This is by far the worst creditor for theifts to open accounts with because the bank never admits fault and makes bogus claims of their investigations. Under federal law with the proper paperwork JP Morgan Chase must erase this account I have supplied, Police reports, Federal trade commission reports and more! I have finally taken the steps to contact the attorney generals office and submit paperwork with them. Chase is saying theyre holding me personally responsible for their negligence, I will NEVER give a dime to these accounts, THEY ARE FRAUD. My police report ( # XXXX ) with the XXXX even states their investigation and it was not me.
I have Compass credit cards counts that should show paid to XXXX one of them is closed the other is still open.
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
XXXX XXXX XXXX was able to put a fraudulent account and address on my report without my consent dated XX/XX/2018 for {$540.00}. This account and address do not belong to me and his affecting my credit. I am young and trying to establish my credit and this is hindering that. I have tried to dispute this with Transunion with no luck. Please remove this as soon as possible. Thanks
It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.
In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession.

Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.

The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle.

The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle.

I spoke with a representative with XXXX and made very clear which documents I was requesting on two separate occasions but attached is all that I received.

In addition, the request was received by XXXX on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had.

In addition XXXX  has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances.

I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX TransUnion, and XXXX   didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account.

This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
In XX/XX/XXXX all of my debit cards where hacked into and someone tried to purchase numerous items including monthly arch payments. I did complete a Fraud Alert for 90 days on XX/XX/XXXX. ( XXXX is the 90 days grace period to be removed ). On XX/XX/XXXX someone open an bank account with Synchrony Bank and tried to applied for credit. The application was declined and it was reported to XXXX Credit Bureau. On XX/XX/XXXX ( approx time XXXX am ) I called the credit department with Synchrony Bank at ( XXXX ). I talked to representative XXXX he asked for my social security number, I informed representative XXXX whoever open this account was a hacker therefore, I could not provide my full social security and suggest I could provide the last four for his verification. I told this representative XXXX I did not want to provide my full social security over the phone it would be stupid for me to provide my full social security when I did not open this account. Whoever open this bank account did this illegal with my social security number. I never apply for a credit card or open an bank account with Synchrony Bank. I asked if he could remove this inquiry with XXXX Credit Bureau and close this bank account. Per representative XXXX he had to have my full social security number to check my account. This representative did not understand my request to remove this inquiry from Synchrony Bank with XXXX credit bureau or close this account he kept asking for my social security which, I told him on numerous time someone hack my personal information from my banks, obtaining my debit cards information which could include my social security number I did not open any account from Synchrony Bank. Per representative XXXX he could not assist me to remove this inquiry from XXXX Credit Bureau or close this account until I provide my full social security number to verified my account. Again I explained to representative XXXX I did not open a account with Synchrony Bank, however he still did not understand my request and would not accept the last four digit of my social security for his verification methods.
Individual called my place in employment and began harassing my employees regarding my debt. He told my employees why he was calling gave them information regarding my case as to the amount owed the reason for the call who it was owed to why it was owed and so forth. Collector has repeatedly called my establishment for the past hour nonstop every minute on the minute and will not stop calling and has said and threatened that he will call all day every day until the debt is collected. He stated he will come after me and everything until the debt is paid in full.
Allegedly, I enrolled into TransUnion and attempted to put a lock/freeze on my credit report. That feature will not work. I looked for a fraud alert capability and could not find one. I feel I paid for a defective service which makes me wonder what else does not work. I enrolled in XXXX and XXXX. The results are better at XXXX and XXXX is superior to both XXXX and TransUnion. I did the XXXX signups to compare them. I 'll likely drop XXXX and stay with XXXX service. I rate them as XXXX is Superior, XXXX is Average and TransUnion is Below Average. So, if you are a D student and enjoy being stupid, TU is for you. If you do n't care but feel you need something, and have realized services like XXXX are worthless money grubbers ( allegedly, and they were class action sued for being a poor service ), but you are smart enough to know you need something to protect yourself, the XXXX is for you. If you respect yourself and you want the best service for your own benefit, then XXXX is your best choice out of the XXXX services. Remember, it 's only getting worse. Also, beware of people or companies who can file and grant you credit with or without a good credit report. So, the insurance offering is a good thing. Please email your congressman, state and federal, and force them to classify identify theft as a major felony with minimum sentences equal or higher to XXXX, XXXX and people who commit treason. Literally, do n't let people who steal peoples life savings and XXXX up their lives get off easy. Make it a life sentence or if severe enough, XXXX.
On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?
Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.
On XX/XX/2018, I had applied for a job to be a driver with XXXX and XXXX and on XX/XX/2018 the Company CHECKR disclosed information from 16 years ago. According to FRCA consumer reporting agencies are only allowed to disclose background check information from up to 7 years prior, Checkr violated this rule. As a result my application was denied by XXXX and is under review by XXXX. Checkr also reported false information saying I was convicted of XXXX XXXX when I was in fact convicted of XXXX XXXX   even after I corrected XXXX XXXX of Checkr and sent them proof they still continued to report this information.
The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!
The original creditor account was through XXXX XXXX XXXX but that charge was disputed due to the account being mischarged and incorrectly billed. XXXX XXXX removed the derogatory mark from my credit report but appear to have sold that account to multiple collection agencies. LVNV Funding LLC has recently removed the collections account from my credit report but this accounts was THEN given to Resurgent Capital Services ( see scanned letter ). This account has been closed and originally removed from my credit. I need the multiple inquiries and collection attempts to stop, its too much for me to handle and is ruining my credit score.
Equifax has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?
Wire transfer done on XXXX ' 2016 coming from an XXXX customer, was deposited into the wrong account number and for the last 3 weeks I 've been dealing at different levels with Wells Fargo Bank and nobody seems to know where the money is or when it will be returned to the sender for initiating another transfer.
I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.
A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XX/XX/XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.
Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!
Opened a new account checking with Citibank. I was supposed to get a bonus deposit as part of the account opening terms. Citibank has not given me this bonus after almost 3 months of having met the terms of the agreement.
Chase is reporting on XXXX a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.