WillisBack/dataset-financial-user-claim huggingface dataset:
American Express has made several attempts to debit money from my account. I have had to have my bank block all transactions from them in order to stop it. I DO NOT have and American Express card nor do I have any business with them. They have been trying to debit this money without my knowledge or consent. 

I have contacted them twice, they have not resolved the issue. They claim they are doing an " internal investigation '' into the matter, but have attempted to debit the money again while it was supposedly being investigated. I have had to pay a fee to the bank in order for them to block transactions from American Express.
I have contacted XXXX, XXXX, XXXX XXXX, and Equifax by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX  in the XXXX XXXX  of XXXX  and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX is busy and I do not have time to be on the phone as XXXX bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 

In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), XXXX the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX
I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early  XXXX  it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all  XXXX  major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.
I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.
I am requiring that Equifax get physical verification ( i.e. Consumer Contract with my signature ) for these accounts XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX. If these companies can't provide physical verification that these accounts are mine, section 602 of the Fair Credit Reporting Act requires they be removed from my report. 
I am disputing these accounts because I am a victim of Identity Theft. The aforementioned accounts are fraudulent. The other credit reporting agencies have removed these accounts. Their Investigation has been over 30 days. Equifax has not gotten physical verification from these companies. They are accepting verfication without physical evidence. Simply stating based on the creditor 's word, the account is verified.
Since XX/XX/XXXX I was a victim of identity theft. A bill showed up on my credit report about almost three years ago. I have requested and advised over and over that proof of validation be sent to me for the alleged debt. I disputed this account because I never opened the account no proof of validation was ever sent per my request. I have lived at the same address for over 15 years and still no proof of validation of the alleged debt has ever been sent but continues to report on my credit I have asked both Portfolio Recovery and the three reporting agencies to provide me with documents of the alleged debt. I never signed any contracts nor am I in debt to Portfolio Recovery Group they are impacting my credit and life in a major way. I sent the office a request for debt validation and requested a copy of any agreements that I signed stating that I am in a contract with Portfolio Recovery Group for the alleged debt to date there has never been anything sent to my address again where I have resided for years. I recently provided a copy of my current ID AND SOCIAL SECURITY number to this company asking that all original documents be sent showing that my name and birthdate and social match the opening of this alleged account.
I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.
When I make a payment it takes several weeks to appear. 

I must wait 10 weeks for a refund on my secured credit card if I close my account. 

They are difficult to get ahold of and provide bad customer service.
Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.
Discover card is reporting a negative account that I was previously listed as an authorized user on. As an authorized user I am not responsible for the account in any way, yet they are damaging my credit. I have called them to dispute the account and requested them to remove it, but all they tell me is that I 'm no longer listed on the account so there is n't anything they can do about it. They placed it on my credit, but refuse to remove it. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit.
My student loan is held by Pennsylvania Higher Education Assistance Agency ( myfedloan.com ). On approximately XXXX XXXX, XXXX, I submitted an application under the XXXX program to have my loan terms reevaluated. I was informed that my application was approved approximately 30 days later, and the servicer would be issuing me a {$5.00} bill that once paid would then bring me out of the IBR program and into the XXXX program. As of XXXX XXXX, XXXX, my student loan servicer has not finalized my approval under the program or issued me the {$5.00} bill to allow me to opt out of my current income-based repayment program. When I have complained numerous times to them about the delay, they inform me that the process is slow because they have too many applications but they are doing their best they can with their resources. Thus, it has been nearly 90 days and Pennsylvania Higher Education Assistance Agency has not taken any concrete action on my application. Clearly, by Pennsylvania Higher Education Assistance Agency 's own admission, the federal government is contracting with them to service too many loans in excess of their capability.
On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also
After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.
I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.
Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice
I do not understand why this company has pulled my credit report twice I never authorized them to pull my report I never applied for anything through them SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 

2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. 

My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.
House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.
I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York . 
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be. 
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option. 
With all of the required disclosures, it shocks me that this was not among them. 
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses. 
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate. 
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.
On XX/XX/XXXX, I received this email from Experian ( of which i am not a member - so its a spam email looking to gain business ). 

" Experian Membership ID # XXXX Member Sign In Introducing your free FICO Score, XXXX See your score " When you click the see your score link, it requires a login and acceptance of a membership with Experian. 

Once you have done this, you are taken to a page that tells you your credit REPORT is free but you must PAY for your score. Which is the clear and absolute opposite of their email. 

This is flat out theft and fraud, perpetrated upon millions of people looking to get their credit information. 

Please prosecute Experian to the full extent of the law. Use of email to commit credit fraud is a felony.
I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.
This fraudulent account. Someone open account XXXX card.It was remove credit reports now XXXX XXXX sold the account its back on my credit report
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.
A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.