WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I made a deposit in good faith at JP Morgan Chase, in the amount of {$25000.00}, in the form of a check. The ATM receipt indicated that the funds would be available on the XX/XX/XXXXThe holiday passed and the funds registered to my account on the XXXX, however, JP Morgan Chase, put a " hold '' on the money till the XX/XX/XXXX for a reason that no one cared to explain at Chase Bank. They keep referring me to " loss prevention, '' that office wo n't open for another few hours here. I find the hold unnecessary and biased, as I have made a deposit from the same account for {$50000.00} on XXXX. I have filed a formal complaint about the matter # XXXX, and I am using every recourse I am able to resolve this matter. I am fairly XXXX and suffer from XXXX XXXX, and it is greatly affecting my peace of mind.
I have hard inquiries on my credit report an i do n't have accounts with none of these companies.
I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      XXXX -  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX
The company is collecting on an untrue debt. I have reached out to XXXX/XXXX   that the company is claiming to be collecting on behalf of and they advised that nothing is owed. All service equipment was returned and bill paid when I cancelled my service. The collection agency has yet to provide proof of the debt or remove the collections. This issue is a very time sensitive matter as I have major things that are dependent upon my credit history. The collection and all history needs to be deleted from my credit report NOW. All contact with XXXX and the collection agency has been recorded as well I have received a copy of my final statement which you will find attached.
I have disputed a bankruptcy case with XXXX & Transunion which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.
On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public records listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Experian failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
On or about XXXX XX/XX/XXXX American Express offered me a bonus of {$100.00} if I referred a family member or friend for the XXXX XXXX and they were approved. On XX/XX/XXXX a relative, XXXX XXXX, applied using the link provided by AmEx in their e-mail. XXXX 's XXXX XXXX application was approved. From the experience of XXXX years with AmEx, I know that bonuses are posted within a few days. After a week, my bonus did not appear. I used the chat function to inquire and was told by a CSR that it takes 8 weeks. After 8 weeks I again inquired via chat and the CSR said she would submit an inquiry to be handled expeditiously. After another week, no results. The CSR then lied to me and stated that AmEx never has a referral bonus for the XXXX XXXX. After another week, I again used chat and the CSR said she'd initiate an inquiry. A week later, no response. Yet  another inquiry via the online chat and a week later still in response. About XX/XX/XXXX, I spoke with a CSR on the phone. He explained that previous inquiries were incorrectly submitted. He also stated that it is completely false that AmEx never has referral offers on the XXXX XXXX. He stated he would submit a new inquiry in correct form and would have it handled expeditiously. As of today, no results. 

Further, XXXX XXXX has confirmed with AmEx that their card does have the applicant 's portion of the referral bonus ( {$500.00} bonus for {$30000.00} spend w/in 90 days ) attached to their account so it would be dishonest for AmEx to claim that the account was not opened up via my referral. 

This referral bonus would have served to reduce my upcoming XXXX annual fee. With AmEx 's  competence and integrity in question, I decided to cancel my XXXX XXXX as there is no reason to believe AmEx would fulfill their contractual obligation over the referral bonus.
My name is XXXX XXXX, this morning i awoke to two collects on my credit report that do not belong to me from a company called XXXX XXXX XXXX XXXX XXXX for XXXX and the other for XXXX. I attempted to call the company who left me on a hold of 11 minutes and also tried disputing both of these on my credit karma but only allows one at a time. I was arizona department of corrections inmate number XXXX and before that was in XXXX  here in arizona awaiting to go to XXXX, this is public knowledge. Now I have a great job was on my way to a great credit score and this happens. Both of these show up today on XXXX XXXX stating that they have been reporting since 5 years ago which I find impossible, just like the XXXX XXXX account that was closed due to fraud as well while i was gone. Please assist me in this matter.
I did not receive a statement in XX/XX/XXXX or XX/XX/XXXX. I was reported delinquent to the credit rating agencies, but never received a notice that an amount was due. Once informed that an amount ( {$630.00} ) was due, it was paid in full.
inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.
To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.
Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit report.
My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. 
I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. 
Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. 
I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.
I opened a checking account at Charles Schwab and received a confirmation letter indicating that a principal had verified my information and that the account was opened ( the letter is attached as a reference ). I proceeded to set up online access and linked my eternal bank account. Charles Schwab deposited trial deposits into my external account and I verified them on the Charles Schwab website as instructed. I setup a transfer of {$50.00} to fund the account, so the debit card would then be sent out. Additionally, I was beginning the process to setup direct deposit. The subsequent day I tried to log into the account via online access and the mobile app, but was denied. I called Charles Schwab and they said my account had been closed. The representative indicated that after opening the account they received information that I did n't meet the criteria of their account standards. The issue I believe to be of concern here is that I received a letter which clearly states that the account was opened and the information I provided was verified. How can an account legally be opened ( information verified ) and then revoked for no cause?
FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.
I moved from XXXX to XXXX. Attempting to get my car registered in XXXX. Chase Bank holds the title and they received a request from XXXX DMV on XX/XX/2016. Chase has told me they were scheduled to have the title sent on or about XX/XX/XXXX. They still have not sent the title and I have been driving without a registered car due to the time it has taken for the title to be sent to XXXX DMV. For the past week and a half I have called every day to try and get some resolution to the issue, which has been fruitless. I have been told that it has been escalated but it has not seemed to resulted in any movement. I have been told that now the estimated time frame of Chase send my title would be on or about XX/XX/XXXX.
ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.
Applied for a loan for a morgatge, found a false credit card under husbands name inhibiting us from acquiring a morgatge loan. Turned the false account into XXXX and Wells Fargo to be resolved, XXXX removed the account right away, no problem. Wells Fargo has been giving us the run around, been very rude and un-helpful. Has been several weeks and still is not resolved or removed. Wells Fargo can not find the account under my husbands name or social, but are still reporting it to the credit bureau. This is not only false information, but Wells Fargo ca n't provide documents proving my husbands connection to this account and I feel are refusing to help sort this situation out.
Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.
I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.
This is my third complaint against XXXX XXXX at XXXX XXXX. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.
My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.
I am living in XXXX. My Citi bank credit card # XXXX has been blocked on XXXX XXXX 2015 without any proper notification. They have automatically cancelled my XXXX and charged some closer amount also for that. I called the customer care and raised a complaint and they told me this was happening due to the lack of XXXX document. They want me to provide the same and as per their communication XXXX of their representative will come and collect the same from myself. They have filed a complaint but did n't take any action yet. I called them for about more than XXXX times and none of them come to me to collect the XXXX document. I also went to their XXXX of the branch located in XXXX and produced the same. But still my card not got released and I did n't get any status update from them. I also payed for the money ( XXXX ) what I used for that particular month before the actual due date. I was using this card for more than XXXX months and I do n't know how can they allow me to use the card without proper XXXX document for more than XXXX months. I want to take necessary action on this issue.
They are many account open under my name and the account were transfer to one account, I been trying to delete all the repeat it account from credit report and leave the one that is open and current.
They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..
I am filing this compliant this because Experian has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts. Being that they have gone past the 30 day mark and can not verify theses accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!
In XX/XX/XXXX my Bankruptcy was discharged in the Federal Court in XXXX XXXX. Included in the bankruptcy was a mortgage on a piece of property located in XXXX, XXXX which we did not retain. The Mortgage company ( Nationstar Mortgage ) filed for foreclosure in XXXX, the district court in XXXX, XXXX  dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XXXX Nationstar mortgage sold the mortgage to XXXX XXXX XXXX, this this point to date XXXX  continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less then 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Wells Fargo Auto. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - XXXX of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX