WillisBack/dataset-financial-user-claim huggingface dataset:
My personal information was stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent
Transferred rent money from my bank to my lawyer thru the company XXXX but his account wasnt working so I had them put it back to my XXXX account. When I thought I could transfer the funds back to my bank account my account was frozen and I was given an email stating I wasnt going to be getting any of my money back because it was there policy in fine print you arent allowed to transfer funds back to your own bank which I didnt know. They are stating they are creating an investigation because I had a prior account with fraud in it which I reported to my bank and they are now stating I owe them for that but I dont because it was fraud nd ruled by my bank. I tried to explain the situation to them but they are not giving me any information.
On XXXX XXXX 2015 about XXXX est time, I called American Express too see when my reward card was going to shipped when speaking with a rep. I was informed my card was being sent too the wrong address, he stated he was going too have the shipping expedited and i should receive my cards within XXXX buisness days. I called XXXX times and spoke with XXXX different reps and was old XXXX buisness days. Today ( XXXX/XXXX/2015 ) I called in too see if the cards had be sent out and i was told by one rep that i would have too wait XXXX buisness days. I ask too speak too his manager because that wasnt what I was told. His rep which was a lady got on the line and told me XXXX buisness days I was upset because thats not what the prev rep told me and asked too speak with a different manager. A man named XXXX got on the line and was being extremenly rude and i figured out that he wasnt a actually manager. He got his manager XXXX who didnt help me at all. This is HORRIBLE I NEVER BEEN THROUGH A EXPERIENCE IN MY LIFE!!! I WOULD NEVER OPEN A ACCOUNT WITH AMERICAN EXPRESS IN MY LIFE!!! I SPENT ALMOST XXXX HOURS ON THE PHONE WITH NO RESOULTION AT ALL!
A few months ago, I had fallen behind on my bill with PayPal Credit. Within the last few weeks, they contacted my father to try to reach me. From what I had been told by my father, the individual who had called told him that I owed a balance and the amount of said balance. I initially had issues with them calling my phone before XXXX when I was in XXXX over the XX/XX/XXXX, and now they disclose information to others without my consent? If I could afford a lawyer, I would gladly sue over this. Sadly, I am trying to go through college, and that has impacted my available resources for the time being.
In XX/XX/XXXX I lost my job and couldn't pay on an unsecured installment loan from XXXX. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XX/XX/XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
On XXXX/XXXX/XXXX, I contacted XXXX XXXX to refinance my current home owner 's mortgage and obtain cash back. I took advantage of their Nationwide advertisement since both my husband and I are XXXX veterans. I spoke to XXXX XXXX, Account Executive, XXXX XXXX, XXXX. He again initiated a new application, although, I already had a previous application with one of the loan specialist name, XXXX. During our phonecon, XXXX XXXX ask me questions about my loans, whether we were veterans of the Armed Forces, employment, financial, income, interest, etc. I provided him information to include the mortgage which was paid off to Wells Fargo in the amount of XXXX in XXXX XXXX, XXXX, on our XXXX, Hi former residence. After the mortgage was paid off with Wells Fargo, I contacted the Wells Fargo Home mortgage department and informed one of the representative to ensure that my credit report was updated. XXXX XXXX told me to hold on so he can check my credit report, then he returned and informed me that my loan was denied. I inquired as to why the loan was denied, and he told me that it shows that I was 120 days late and in foreclosure with Wells Fargo. I informed him that I was not in foreclosure, and told him that the mortgage loan was already paid in full. Wells Fargo failed to update our credit report upon my request in order to remove the 120 days and foreclosure in the credit report which is currently affecting our credit scores and preventing us from obtaining a loan in order to refinance our joint current mortgage which we have been paying in " Good Faith. ''
I am writing to you about the way equfax credit beurau is doing the investigation on the depart mentioned of treasurey which is not the originator of the amount that is owed too the federal court this debt started with a ticket given to me in XXXX pa for XXXX dollars now the third party that is reporting it is XXXX and the information that they are reporting is incorrect because I have the correct documents from the federal court who is the originator of the debt and if the credit bureau does n't go to the source of the information being reported they will never be able to find out the truth of what is being reported XXXX is a third-party debt collection agency working for the department of treasurey but this all started with the federal court system that is were the realast of how much I owe to the treasurey department what they are reporting is incorrect such as the amount owed and the fact that I made three payments that are not reflected in the credit report which makes it incorrect and should be removed from my credit report because it is inaccurate information being reported by XXXX collection service and nobody wants to go to the originator which is the federal court who has all the correct records I do n't owe what they have on the credit report and the fact that I made three payments is missing from the credit report which makes it inaccurate and by law should be removed from the credit report and I have the paperwork from the federal court it self to prove that payments were made and the amount owed is n't correct either
I'm participating in the Public Debt Forgiveness Program and submitted my first certification form in XX/XX/XXXX. It certified that I've been working that the XXXX XXXX XXXX XXXX, an qualifying XXXX, since XX/XX/XXXX. 

My loan was transferred from XXXX to XXXX XXXX shortly thereafter. However, my first statement from XXXX indicates that I've only made 3 qualifying payments toward the PDF program. 

Before working at this XXXX, I worked for the XXXX XXXX XXXX, and I'm working on obtaining certification of that as well. That is a total of 7-8 years of public service. My account should certainly reflect more than 3 qualifying payments.
Experian has falsely reopened an old student loan by XXXX that was closed in XXXX and rehabilitated. They have it as open with a balance and they have it listed as 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My loans are no longer with XXXX they are with XXXX and are current, in good standing.
I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX  in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.
1 year About received payment from program government never get till now .. because I'm no have experience in program so. What I can do?
I have been charged repeatedly by a company whose services I cancelled many months ago. I filed a claim with Bank of America, and mailed the required form within the specified timeframe. Bank of America claims that they did not receive my form and are debiting my account the funds fraudulently taken from me. 

I have spent hours on hold and am unable to speak to anyone. My calls are not returned. No one responds to messages or emails. The local banking center said there is nothing they would do to address this. 

Money was stolen from me and Bank of America have done nothing to address this.
In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.
A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x.  Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity.
Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.
As of XX/XX/2018, my fiancs and I have been harassed at our home by people claiming to own our home or XXXX XXXX XXXX Owns the home. We have filed a fraud alert or my account a few months ago. Since then we have had our phone hacked with random people pretending to be an agent from our various accounts and Spoofing. Like XXXX, XXXX, XXXX XXXX  Cards, Light bill, Water Bill, XXXX and more. Hackers on our phone line asking us for our full social Security numbers or personal unrelated information. I called my house the other day and some strange man answered the phone as well as other hackers. Now my three credit reports have been compromised. There have been several changes to my date of birth, address from home to apartment or reporting accounts that are not mines that are delinquent account. My name is XXXX XXXX XXXX and other names have been reported like XXXX XXXX XXXX, XXXX XXXX XXXX, or just plain XXXX XXXX. Im also not receiving my mail, and someone has changed my address and rerouted the mail. XXXX   has removed XXXX XXXX XXXX as a fraud account. However Experian has XXXX  XXXX XXXX on my credit report still after multiple disputes made to their fraud department. 

On XX/XX/2018 I noticed that Experian has deleted my Social security from my credit report. I would like to have someone investigate because Im afraid my identity is being stolen and lose my home due to Fraud. I have some police reports as well. This harassment has happened thru the whole month of XX/XX/2018. These incidences include several other 's involved as well. 

Thank you XXXX XXXX XXXX
XXXX, Experian and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
I have tried to fix this issue many years ago. Initially I had an American Express Green card and settled the account. Part of my settling the balance was to enter the XXXX program where I 'd get a new XXXX card with a credit line of half my settled balance. This should have been approximately for 3,000. Weeks later I asked American Express for my card with XXXX credit line and they said it was on its way. This was in 2007. Years later I pulled my credit and saw an open account from American Express I did n't know about with a XXXX credit line. I called American Express and they said it was from my osasis program. I have asked American Express to send me the terms of the XXXX to prove that the terms were for half of my credit line. They never sent me those forms for the terms of the XXXX. This is what my complaint is for.
I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.
XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.
I am unable to obtain my Equifax credit report because NONE of the validation/verification challenges are recognizable. YES, I *do* have a mortgage and auto loan ; HOWEVER, they are not with the businesses listed nor are the monthly payments correct. I am a senior citizen and I drive very little. I do NOT have access to a printer to mail them a copy of my ID. I *do* have my driver 's license scanned but I can only provide it via email as I have no access to a scanner. I need to see my credit report to dispute what I suspect are OLD derogatory items. Also, I am now very worried because of the weird verification questions that there are serious problems with my credit report. I am a XXXX.
I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX  for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get XXXX and Experian to do the same, but no luck. Every time I try to dispute on XXXX I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.
I have been trying to resolve inaccurate information from my credit report with Equifax for several months now. I have filed a dispute through their onl ine dispute site (   XXXX   XXXX   XXXX   # ) as well as sent a written notice with documentation to their dispute department. My dispute continues to be ignored. I filed a complaint with the CFPB and Equifax responded that my dispute was never submitted. Therefore, I attempted to file a dispute for the third time on their website and after I enter my information, I am getting an popup message stating my request can not be processed at this time. Both  XXXX  and  XXXX  have already updated the inaccurate information but Equifax continues to ignore my dispute. If I do not get a resolution from this matter within 30 d ay, I am involving an attorney in the matter.
Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at XXXX
i bought a puppy from an online site XXXX last night and the whole thing was a scam. We agreed on {$270.00} for the dog and the seller said he would pay all traveling expenses including flight ticket and delivery agency. At first he said i would pay the agency in person with cash when the puppy was delivered to my apartment but then a few hours later he requested that i pay using money order. After i sent the money order of {$270.00} a got a confirmation email saying they had received the money and the puppy was on the way. Within the next few hours i got another email saying the flight was delayed and would n't arrive until this morning at XXXX The owner said he would pay me {$30.00} because of the delay. This morning i got an email requesting that i pay an additional {$500.00} for insurance of the puppy 's delivery. The owner insisted i pay this or the puppy would n't be delivered. I replied with " I 'm not paying anymore money until i can see the puppy with my own eyes. He got very frustrated and began threatening me by saying he is going to press charges against me for animal cruelty. i told him how could i have done that when i have n't even seen the puppy? After all of this was over I realized it was a complete scam and they had taken my money. I have emails and texts from the seller and from the delivery agency to prove my case. I just want my money back. That 's it!
an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}