WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX  and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to  comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.
lost my daughter 's social security card along with mine on XXXX. filed police report. just would like to know my daughters identity has n't been stolen or misused
Capital one has been pulling my credit report every month, some times up to 4 times each month, for the past year. The soft inquires do not look well on my credit report, as I am trying to obtain a mortgage. They also send me piles of junk mail continuously. They are also doing this to my husband and it is very frustrating. I called them once to have the resolve the issue and I was transferred so many time without a resolution.
My sister-in-law XXXX XXXX had a reverse mortgage with Liberty HE Solutions. She passed way on XX/XX/2016 and had {$31000.00} in her line of credit ; on XX/XX/2016 she sent a request to have the those monies transferred to her checking account. Liberty has refused to send the money because she had passed before the transfer took effect. They told us that taxes were owed and the Executor of her Will, XXXX XXXX ( son ) said that was fine, pay the taxes and send the remaining. I had prior approval to communicate with Liberty and called Liberty numerous times to ask for release and was bounced around by a supervisor, XXXX XXXX, with no satisfaction or a written decision other than saying this was unusual. The money was needed to pay for her funeral and other expenses.
Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.
Equifax is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

XXXX XXXX what bankruptcy XXXX XXXX XXXX what bankruptcy
My former apartments sent me a " final bill '' for " repairs '' they say I owe for. I sent in multiple service requests for some of these and I have dates of every request. They paint the sinks, tubs and counter tops in the apartments. They paint in tubs started chipping. They received several notices from me through their portal about this. Unfortunately, I could not be out of my apartment for 4 hours at a time. I am a nurse and slept during the day. They made a claim for the carpet, which was old when I moved in ( some of the units had been updated, but I moved in to one that had not ) I had my own room sized rug on top of their carpet. The amount that is on my credit report as " due '' is not the amount they billed me. I think this is in retaliation for me filing a complaint along with pictures, which I still have, about the pool being green and moss filled. My granddaughter and I developed upper respiratory infections after getting into the pool. Once we realized there was green moss growing in it, we got out I was told I would receive pictures of the items I was being charged for. Another item they wanted me to pay for was a new handle on the microwave. They have several service requests about the microwave. The kitchen seemed to lean and the microwave door did not fit right. Maintenance came and fixed it at least once. The flooring in the kitchen is some kind of soft one sheet roll of something. It had a few scratch marks and spots where it looks nicked, like normal wear and tear on inexpensive flooring. Since this was not one of the updated apartments and it was not major, I did n't think anything of it, although I did not cause it. The refrigerator was so broken down I had to request service multiple times. It finally went out while I was at work and ruined all of my food I had just purchased. They reluctantly reimbursed me for some of the food and had to replace the fridge. The roaches were so horrible in this apartment it took 3 months to completely rid them. I informed the front office this was triggering XXXX for me. So, my question to you is exactly HOW was this confirmed? How do you confirm the validity of charges someone makes against you with no proof? If you would have received proof, you would have noticed the amount is not the amount you have on my credit report, it is much less. I never received the pictures of " damage '' they said they would send, nor have I ever received copies of receipts for " repairs '' they claim they had to make. I want both of these sets of documents/proof. I want to file complaint with the credit regulatory agency. Please review the accuracy of this charge and inform me how to file against them for retaliation. They may be able to confirm my name and that I lived there, but I never damaged their apartment.Because I have in writing, a completely different amount, this claim should be completely removed from my credit reports as inaccurate and false.
I completed and application online for Big Picture Loans.I was Instantly approved for a payday loan with Big Picture loans for the amount of {$400.00}. When they called me I was informed I was approved for {$800.00}. I was informed to go to my computer and sign the loan agreement. At the time it was showing I was to pay {$280.00} bi-weekly for a total of {$1000.00}. Which is a bit high, but I was in a bind so I agreed to the amount. After completing the application process with the rep. over the phone I was informed the money would be deposited into my account within 24 hours. On Friday morning the money was in my account. I recently logged back into my account and printed out the loan papers showing the schedule when the payments will be deducted from my account. Now the Agreement is showing that I will be pay 993.3438 % interest. Finance charge is {$6000.00}. Total amount owed is {$6800.00}. Now this is Extremely too much to pay on a {$800.00} loan. I am not trying to get out of paying what I owe, however this is highway robbery. And should be against the law.
Back in XXXX 2017, Bank of America sent me paperwork stating my loan was eligible for a recalculation or recast. I 'll add attachment to this complaint. I received paperwork, signed paperwork and sent back to BOA. BOA stated they received early XXXX 2017.
On X/X/17 I called BOA to check on changes to my account for the recast because paperwork stated it would be on around XXXX 2017. Representative state she did not know why I have not received paperwork to finalize and she would escalate the matter to have notarized paperwork sent. I never received anything. On XXXX/XXXX/17  asked about recast paperwork and when I would receive. Representative stated request would be made and will be sent me me within 48 hours. Believe I spoke to a person by the name of XXXX, she stated she re-sent request or recast to be sent to me and copied her manager/management. Still received no information from BOA. On XXXX/XXXX/17 I called BOA and representative stated my loan was not eligible for recast! If you see on attachment for eligible credentials, I have all of them!!!!! My loan is current, has been in good standing for years, and all incentive would be applied to my loan.
BOA should not be able to notify you TWICE with recast paperwork ( received attached paperwork twice in the mail from BOA ) and then state I was not eligible.
I had my student loans through Navient ( formerly Sallie Mae ) prior to XX/XX/XXXX when the PSLF started and I also started my job in public service. During that time I had several conversations with Sallie Mae staff confirming my status in the PSLF program. Each time Sallie Mae informed me that my loans were eligible for the PSLF program and there was nothing needed on my part. In late XX/XX/XXXX I called Sallie Mae for another reason and again asked about the PSLF program. At that time I was informed my loans were not eligible. I had lost out on several years of payments toward loan forgiveness due to the incorrect information provided by Sallie Mae. On XX/XX/XXXX I called Navient to request the notes on my account for supporting documentation and was told they do not provide call notes to their consumers.
I received a letter from Chase lending services that said I requested not to ever have credit consideration. I NEVER did this.
Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
My XXXX ex opened a credit account with XXXX in XX/XX/2012. I had no knowledge of this account. I moved to XXXX from XXXX  and did not know I late or behind because i did not know the card was opened in my name. I have never been late before or after and i do not think that I should be held liable for someone elses actions.
Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.
My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in XXXX.
XX/XX/XXXX, I go to the XXXX of Massachusetts. They inform me that there's no print out date for the title. Therefore they cant print out my title. They said something happened that that I should call my bank. 

I called Bank of America that day. They informed me that the title request got kicked back from the XXXX. They didn't know why it got kicked back. I asked Bank of America when were they going to inform me about this? They had no answer. 

I called again on the XX/XX/XXXX. and spoke to a supervisor ( XXXX ) who said that he contacted the department who deals with sending titles to the XXXX. He told me that they sent an Email at his request to the XXXX asking why it got kicked back. 

I am writing to you today two weeks ago I started this process and today they finally decided to investigate this matter because I brought it up. I know Bank of America is miss handling this account and they are showing that they don't care based on the time line of events and lack of movement in this case. Why is it that I, the consumer has done everything right, paid my loan on time for the past two years. finally paying it off to the tune of XXXX XXXX dollars, to wait two weeks to hear that they didn't even simply send off an email to the state to ask why my title is being held up. i think its just disgusting. The more pressing matter is that, I finally have a buyer ready to purchase this trailer which i have been actively trying to sell for some time now. I finally get a buyer and Bank of America is not doing a diligent enough job on providing me with my paid off title. I had to contact them to hear that the XXXX kicked back the information that they submitted. I don't know what going on but the XXXX is pointing fingers at BOA and BOA is pointing fingers at the XXXX. Please help.
I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with XXXX and Transunion getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.
this is a XXXX claim. i never received any information regarding this XXXX or the collection agency Revenue XXXX. This procedure was done last year and XXXX has full knowledge and documentation that this was in fact XXXX comp. I want this removed from all XXXX reporting agencies immediately!
False accounts and false accusations of fraud resulting in the closing of my checking and savings and credit card and a negative XXXX balance never asked for a savings account with them in which Is the account they flagged for fraudulent activities now I fear my name will go into checks system and im out XXXX dollars.
on    XX/XX/XXXX       XXXX   XXXX   XXXX   XXXX    address   XXXX   XXXX   XXXX   XXXX  , new jersey  XXXX  Phone number  XXXX , filed case against me case number   XXXX   XXXX   in   XXXX  county  on beh alf of UNIFUND CCR, addr ess   XXXX   XXXX   XXXX   XXXX   OH  XXXX  phone number  XXXX , which was dismissed  on  XX/XX/XXXX  b ut till today 's date    XX/XX/XXXX    there is a judgement showing on my credit report by Unifund when I call  Unifund th ey told me to call   XXXX   XXXX   XXXX  . when I call   XXXX   XXXX   XXXX   they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me   XXXX   XXXX   XXXX   they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my  XXXX  credit report showing that   XXXX   check my report  on   XX/XX/XXXX   I ha  ve the proof if u want I can submit them to I think this is a fraud.      unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.
On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.
I have recently moved out of the US for good. As such I am closing most of my credit cards that I haven't used for a while and those that don't have any balances pending. 
As part of this I also closed an XXXX Amex Gold Card (XX/XX/XXXX18 ). I mentioned the reason for card closure to the agent as well. 

Unfortunately American Express claw-backed XXXX MR points that I had received as welcome bonus claiming that I was trying to game the system! I tried reinstating the card as well but Amex wont allow me to do that too.

I have been a loyal Amex customer for almost 2 years in the US and prior to that for 7 years in XXXX and XXXX. I have never tried anything that goes against the ToC. It is simply unfortunate that that I had to close one card within 6 months of opening! 

All I am asking is that the points to be reinstated as a goodwill measure.
I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
The BK that is showing on all CB has past its term of limitation of reporting. 
I ask for all XXXX CB to remove the BK off my record.
I filed a bankruptcy in XX/XX/2010. I included a mortgage with XXXX XXXX XXXX in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  and XXXX  properly updated the record. But Trans Union simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law. 

XXXX XXXX - Account number XXXX