WillisBack/dataset-financial-user-claim huggingface dataset:
I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.
I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX   miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!
Is that is in fact not mine and I am not responsible for and Ive contacted them with no response
I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
A company I paid off in XXXX named Portfolio Recovery Associates ( they were called XXXX XXXX at they time ) continues to call me from phone number XXXX. I have called this company 5 times and was told my name is not in their system as owing any money to them but I continue to receive calls. I even had them send me a paid in full notice to prove I don't owe them anything. On XX/XX/XXXX at approximately XXXX I received yet another call. I called the company back and spoke to XXXX XXXX who told me they have no record of their system calling me but she found my phone number ( XXXX ) under someone else 's name. XXXX made it sound like I was lying about receiving the call. This has become harassing because I work from home and the calls disrupt my daily workflow when I'm on conference calls. 
Please help, I don't know what else to do.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT of, but I have spoken with XXXX XXXX, and they have told me this is false that they have not received a thing, also I have this in writing from final.
I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.
On XX/XX/XXXX I engaged a lender to start the refinance process of my home and gave that lender the right to pull credit reports for my wife and myself. On XX/XX/XXXX, I received an email from Ditech, my current servicer, indicating they received a notification when customers have a credit inquiry from another mortgage lender. Within that email was an incentive from XXXX XXXX with Ditech indicating that if we chose Ditech to refinance a {$250.00} Visa gift card would be sent to me. 

Such an incentive is an unethical way to obtain business as is any system set up to trigger an alert if a customer has a credit inquiry from another mortgage lender. It is an unfair and deceptive technique to use to obtain business and any incentive given for using a lender is unethical.
I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure.
My payment for XXXX 2017 to my mortgage payment to XXXX XXXX is missing in my Experian Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX, 2017 by my credit reporting agency
I was fraudulently charged. Citi attempted to charge me an additional {$800.00}, claiming I received more credits on my account, although they did not appear on any statements and were not reflected in my balance. It took about 30 min on the phone to resolve the issue. I am concerned that they will double-debit other customers who are unable to understand the process and recover the funds.
I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.
Commonwealth financial systems are reporting to my credit report negative and incorrect information that is affecting my ability to improve my life and receive a fair interest rate on a car loan.
QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.
This complaint is about Portfolio Recovery Associates. They have called my home phone about once a week for the past 2 months, but I have a fax machine on my home phone. Their latest call was on XX/XX/18. I know who is calling because of Caller ID. I have no outstanding debt. My phone number has been on the Do Not Call Registry for at least 2 years. Portfolio Recovery 's phone number is XXXX. Can't you get these phone calls to stop?
There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge
On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.
WESTERN UNION FAILED TO FURNISH ALL DOMESTCI FRAUD INDUCED MONEY XXXX  FROM ME TO OTHER PARTIES. XXXX XXXX XXXX XXXX
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX
I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I ( XXXX XXXX ) sent a wire transfer to our daughter XXXX XXXX, who is a student at the XXXX  XXXX XXXX in XXXX, XXXX - XXXX. The amount was for {$5000.00} and it is something we have done for her six or seven times since she started going to school there in 2016. It is 12 days later and the money has not been received. It usually take 2-3 business days. 

Our bank is JP Morgan Chase, our account is XXXX. The branch where we executed the transaction is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My daughters bank is XXXX XXXX  XXXX, The reference number for the transaction of XXXX. 

Our attempts to resolve this issue have been frustrating. In fact, Chase 's only answer to us was that the transaction was under compliance review because they wanted to make sure we were not laundering money to XXXX or XXXX. Funny, I have been a Chase customer for well over 20 years, my daughter a XXXX customer for 2 1/2 years. They know more about our financial dealings than anyone - why would it take more than ten minutes to figure out we have to do with any of that. We also only found that out after calling them for the 4th or 5th time ... which leads me to believe it may not even be true. Also given this is the 6th or 7th transaction for the same purpose they could have easily looked at my daughter 's records to see where the money goes - which is rent, her phone and the grocery store. 

For them to hold our money to make money on the float while currency markets fluctuate is awful. I believe our rights are being trampled upon and I would like the matter resolved quickly and not repeated ever again.
My complaint is agents 5th 3erd Bank I have the bank on line option with my checking accounts, I do n't understand nor can I ever get an explanation on why my account on line seldom reflects the actual balance in my account. I have received many overdraft charges for this reason. On Monday XXXX XXXX I deposit my pay check for XXXX, on that day my balance said I had XXXX ( the deposit takes 24 hours to credit my account ) so I have XXXX, plus XXXX pending. I make XXXX credit card payments that equal XXXX. On Tuesday XXXX XXXX I check my account and I 'm overdrawn XXXX. My rent check had been deposited on Monday by my landlord, but it did not get proses until Monday night, it was for XXXX, now what I do n't understand is if my credit card payments and my rent check were proses on Monday night and I had XXXX plus XXXX pending, how could I be overdrawn? How is it that my online account knows I have XXXX pending but my actual account does not? They intentionally ignore the deposit that is going into the account, hit me with XXXX overdraft charges, then suddenly credit the deposit and withdrawal the service charges. How is it that they never credit the pending deposit first? 
My on line account knows that there is a pending deposit it shows me on my on line account, I feel that 5th 3erd does this totally on purpose to charge me an overdraft charge. 
I hope you can understand what I 'm saying, I 'm not the only person that sees this, that Bank has hundreds of complaints against it. Pleas help they have taken hundreds of dollars from me this way and it just does n't seem fair, they mislead or blog face lie via the on line banking.
Hello, I just sent my money ( {$15000.00} ) to XXXX XXXX XXXX to deposit in my coinbase account to trade digital currency ( X/X/2018 XXXX ) as far as i know the money i sent via XXXX  XXXX supposed to deposit into my coinbase account in 2-3 business days and the money is still not deposited in my coinbase account i guess the coinbase company could n't verify my identity so i would like to my money back but i could n't contact to coinbase company because they use automated answering machine. 
please investigate this case thank you this is the an account i sent bank name : XXXX XXXX XXXX bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Rounting : XXXX Account : XXXX recipient name : Coinbase, Inc recipient address : XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX Reffence : XXXX
Transunion has been allowing XXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX  will change a number ex XX/XX/XXXX120 days late to 160 days late and transunion says its valid. XXXX has opened and closed the account many time. Most recently changing it to closedXX/XX/XXXX dropping my score 40 pts. Transunion has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by XXXX for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. 

Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was  unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. 

Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX. 

XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. 

On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. 

Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine. 

Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
A woman named XXXX XXXX called me from XXXX and left very threatening voicemails on my cell phone. She claimed to be an attorney, then later a Legal Mediation Company, owned by Premier Holdings group. She claimed there was some sort of nefarious legal mess I was in that was being turned over to XXXX County, City of XXXX, where I lived to a Grand Jury and that I would be arrested, prosecuted, and my life destroyed. She also called me on my job. I do not carry any debts and do not know what this person is even referring to. Anytime I try and call her back she screams and refuses to give me information about my supposed account. Please help me with this situation. I feel concerned that she is crazy and dangerous. She left yet another voicemail with this imaginary case number XXXX. 

Thank you for your help, XXXX
my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Investigated student loan written as " Charge-Off '' on credit report. The loan was included in bankruptcy so should not be on my report.
I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.
I have initiated XXXX separate disputes with EQUIFAX for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and EQUIFAX has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX