WillisBack/dataset-financial-user-claim huggingface dataset:
Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here. 

By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not. 

I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well. 

I would love to opt out of credit offers but that requires a social security number which of course I do not have. 

I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.

I guess they only want to deal with fake people and pre-approve them no less. 

My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I have a debt on my credit report that is not mine. It is a debt from XXXX XXXX XXXX. The collection agency is Caine and Werner. I never knew what that was until it showed up on my report. There was an account opened in XX/XX/2017. I sent a letter telling them to verify the debt and they sent a response back. I have contacted the Fraud Analyst at XXXX also and have not gotten a response back. I sent letter to him via certified mail and the receipts were returned to me. I sent copies of the police report also. No one has contacted me back. And this debt is still on my credit report. The date of birth is wrong, the email is wrong, the address is wrong, the telephone number is wrong and I don't know what XXXX is. 
Creditor : XXXX XXXX XXXX XXXX- Account Number is XXXX Amount owed {$1600.00} Collection Agency- Caine & Weiner XXXX XXXX XXXX, XXXX XXXX Ca XXXX/ Phone number is XXXX I sent a letter to the collection agency and XXXX XXXX at Fraud & Payments Analyst/XXXX  XXXX XXXX  XXXX  and I called him and left voicemails with no response. 
This is totally unfair. Police reports have been sent and no one is making any contact with me. I should not be responsible for a debt I did not charge.
Hi, On XXXX XXXX, I opened a Citigold checking account with a promotion code I had received, namely XXXX. According to the promo, I was promised XXXX XXXX miles upon completion of certain criteria, which I met XX/XX/XXXX. I had contacted Citi multiple times since then. Each time, they told me that I am eligible for the promotion, that I met all the requirements, and that the miles would appear in the next statement cycle. Namely, I was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, and told in XXXX that the miles would appear by XXXX XXXX. I have attached evidence of one such letter from Citi. 
As of the date of the complaint, the miles have still not been rewarded, despite having been promised multiple times that they will be. Given that Citigold is Citi 's highest banking tier, I should have been treated with more courtesy - namely, given what I was contractually promised, after having met the requirements for the offer.
XXXX/XXXX/15 : I attempted to withdraw {$100.00} from a PNC bank ATM and only received {$60.00}. I reported the discrepancy and was issued a provisional credit pending the outcome of the investigation into the dispute. 
letter dated XXXX/XXXX/15 : I received a letter indicating that the transaction was processed correctly and the money would be withdrawn from my account. Upon receiving this letter, I called PNC to request the documentation of the investigation and was told that I would need to call to speak with the disputes department. 
XXXX/XXXX/15 : I called to request documentation of the investigation and was told that there was no documentation to be sent and that I could not speak directly with the disputes department. When speaking to a manager, he informed me that PNC saw no error reported by the ATM in question. He said that I could reopen the dispute and it should be resolved within 45-90 days. I informed him that they only had a maximum of 45 days to resolve this to which he disagreed. The manager stated that PNC was doing me a favor by reopening the investigation. He then dismissed my inquiries into why and how the initial dispute was never fully investigated and pushed to have me end the call.
XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction. 

XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days. 

This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible. 
I have my documentation/
I accidentally bought XXXX Ether and put it in my Ethereum Vault. What I meant to do was put it in my Ethereum Wallet. It was too late to change the destination as I already initiated the purchase. So after making the purchase, I proceed to immediately withdraw the Ether from my vault to my wallet and was informed of the 48 hour waiting period. Ive surpassed 48 hours and still have not received my XXXX Ethereum in my wallet. This is all on the Coinbase Mobile App.
In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.
I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. 

I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. 

I have submitted a police report to the company and nothing has been done about it.
My wife and I applied for a {$270000.00} home equity line of credit from TD Bank to be secured by our residence, which had appreciated in value since our previous financing. In order to qualify for the HELOC, TD Bank required us to refinance with TD Bank the existing, 30-year fixed rate mortgage we had with a different lender. We agreed to refinance our home as a condition to the HELOC. We simultaneously closed the refinance of the mortgage and the HELOC on XXXX XXXX, 2016. 

At the simultaneous closing of the mortgage and the HELOC, TD Bank did not collect any closing costs from us. Pursuant to the Closing Disclosure prepared by TD Bank and executed by my wife and me, TD Bank gave us " Lender Credits '' for closing costs equal to {$9700.00}. This more than offset the {$9500.00} in closing costs listed elsewhere on the Closing Disclosure. As a result, the Closing Disclosure clearly stated that the aggregate net closing costs to us were - {$150.00}. 

As soon as the HELOC closed and the funds became available to us on XXXX XXXX, 2016, we withdrew the entire available principal amount of {$270000.00}. Later that same day, TD Bank drew {$9700.00} from our HELOC account without our knowledge or consent. To be clear, at the time TD Bank drew the {$9700.00} from our HELOC account, the HELOC had already been drawn down to {$0.00}. As a result of TD Bank 's draw, our HELOC was overdrawn by {$9700.00}. 

We only learned that TD Bank drew additional funds from our HELOC account once we received notice from TD Bank that our HELOC was overdrawn by {$9700.00}. Only after we spoke to a representative at TD Bank did we learn that TD Bank intended to apply the overdrawn amount to " closing costs ''. The draw by TD Bank expressly contradicts the Closing Disclosure that it prepared and required us to sign at closing. Further, TD Bank made no effort to collect from us, or draw from our HELOC, any closing costs at closing. 

Since we first received notice of the overdraw, TD Bank has threatened us with collection on numerous occasions. We have discussed this issue with various representatives of the bank but have not received a satisfactory resolution. TD Bank representatives attempt to support their position by pointing to the Closing Disclosure. This is despite the fact that the Closing Disclosure clearly states that we were to receive a credit for closing costs from TD Bank at closing. 

We are deeply concerned by TD Bank 's actions and the threat to both our property and our credit rating.
There is a collection from XXXX XXXX for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
OCWEN Reference Number : XXXX Here is sequence of events : 1. Payoff quote from OCWEN faxed to Prominent Escrow dd XX/XX/XXXX, valid to XX/XX/XXXX 2. Prominent Closing Statement for closing date XX/XX/XXXX, funds wired to OCWEN 3. Sub-Escrow Statement from XXXX XXXX, indicates interest paid through XX/XX/XXXX Note that OCWEN received funds on XX/XX/XXXX, so technically OCWEN owes me interest for 1 day. 

On XX/XX/XXXX, OCWEN called me, bypassing the Escrow company and demanded additional payment of {$580.00}. I advised them to speak to Escrow company and they refused. 
In short OCWEN gave a payoff quote, which was paid in full and now request more money. 
Dodd Franks requires mortgage servicers to supply correct payoff and not add any fictuous costs after closing. 
This is CRIMINAL FRAUD! 
To date OCWEN has not been able to explain how there is a difference between their payoff quote and the monies paid by Escrow company - most likely illegal fees! 
They have been harassing me for years on this and now I have negative report on my credit that prevented me from getting a mortgage to purchase a home for my wife and I. 

OCWEN have now assigned the " fictuous '' mortgage to XXXX XXXX XXXX and now they are harassing me. 
XXXX Reference Number : XXXX I wrote to both OCWEN and XXXX numerous times but to no avail. 
Attached is letter I sent them on XX/XX/XXXX, and still no satisfactory explanation - just statement of short payment!!!!! 
Attached also documents from Prominent Escrow and XXXX XXXX. 
How many times do I have to prove that is paid in full!!!
" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have a loan with VOLVO CAR FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and VOLVO CAR FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.
I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.
This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report
I was notified last year when attempting to purchase a home that this collection from a company that purchased my old apartment complex was attempting to collect. I do not have an account with this new company that purchased the apartment complex and assumed all its debt. I never had a rental agreement with this new company either. I moved out of XXXX XXXX XXXX in XXXX and this new company bought XXXXXXXX in XXXX. I had no further contact until XXXX when my credit report stated this debt was being collected.
This information is incorrect : XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX
There are 3 hard Inquiry on my file report on transunion that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX
The collection agency placed a negative report to credit bureau, after I disputed medical bill as being fraudulent.Collection agency failed to inform me about it's intentions to place a negative record in to credit bureau and failed to submit any supporting documentation. Collection agency place two negative reports for exactly the same account after I initiated dispute with credit bureau.
Bank of America kept changing the pay-off amount for 3 months. Every time, they changed the amount, they hit me with more interests and more payments. I spoke to multiple Customer Service agents and they all promised to " take care '' of it but nothing ever happened.     Account -  XXXX
I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.
On XX/XX/2018, US Bank accepted my credit card dispute against XXXX XXXX ( merchant ) for failure to render services ( involving online social media web traffic and advertising ) as agreed in the amount of {$3400.00}. 

I provided a personal detailed letter in the filing of my dispute, and I also followed up with additional letter and documentation on the official form they sent to me to fill out. In that letter was a copy of email correspondence in which representatives for XXXX XXXX XXXX company stated that after a year or so their attempt to provide the services paid for had failed and they were no longer going to try, and they offered to " bait and switch '' to other products/services the buyers. 

I never received any other correspondence from US Bank for additional information to clarify what was disputed. Moreover, I never receive any information that the merchant had provided information to counter my dispute. I am of the understand that the merchant did NOT reply to my dispute. 

However, in a letter dated XX/XX/2018, US Bank denied settling the dispute in my favor and recharged my card. US Bank claimed that insufficient information was provided by me support my claim of failure to render services/product as agreed. 

Upon receipt of that letter, I sent back a reply asking for the matter to be reviewed and settled in my favor because no addition information was requested outside of the form that needed to be filled out and returned ( which was returned ). As well as, there was no evidence the merchant had provided anything to counter my dispute, which was properly and legally filed, therefore the dispute legally should be settled in my favor. 

As an additional method of appeal I have filed this complaint with the CFPB.
I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.