WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX  dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.
XXXX XXXX has been reaching out to myself several times every hour of the day even on weekends. I had resolves the problem last Wednesday XX/XX/XXXX but am still receiving back to back phone calls. I have also had several people I am not even in contact with say they've received a call regarding the situation and that they stated it was to collect a debt ( which I thought was against the law ). Also not quite sure how or why the people that were contacted were reached out to, as they have no relevance to me or the situation. I had also received messages stating that the situation would go to an attorney if it was not resolved immediately.
On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

I'm very scare that someone, use my personal information and report and credit bureau. Identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please find out whos using my personal information and I had a bad credit history on my credit history now. please help me.
I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free
I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.
Around XXXX XX/XX/2017 I hear a loud banging of the door of my residence. I peak out my window and do n't notice the XXXX car parked right outside. 
A man keeps banging out my door and now yells if I ( says my full name ) did n't answer that he threatened to call the Sheriff 's Department. *My brother is a witness to this entire incident. 
With fear of possibly being arrested I open my door where a XXXX man in plain clothes with XXXX hair possibly in his XXXX 's hands me what is now a Summons against me that states I am being sued. He does not give me his name or where he was from.
I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a  XXXX   credit score a nd took out a loan to buy a house  (   XXXX   XXXX  al ). I also took out a HELOC (   XXXX   XXXX  . ) I never missed a payment until just before I was supposed to receive a   promotional {$5000.00} for not missing a payment for  five years. My loan was suddenly not online and in-branch, they could't find any information.      Statebridge Company never notified us that they were our new  " Lender, '' but  credit alerts showed a derogatory account.     I called  Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca  n do. They registered us with a property management company-   XXXX   XXXX   XXXX  - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i  n   XXXX   XXXX  .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments.       Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC   PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up.       HELP!!
XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.
Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.
We filed a dispute to a charge by a contractor/merchant who turned out to be an unlicensed contractor in the state of California. This contractor did not complete the work and caused significant damage. We asked the contractor to finish the work but they did not. We filed a complaint with the CA State Contractor Licensing Board, and also disputed a part of the charges with Discover. 

Discover would allow us to dispute only one of the many charges and denied that there was another charge. Then discover failed to investigate or make any effort and closed the case in favor of the merchant. We asked them why they closed the case, they said they needed more information and as asked them why they would not ask us for more information. They said to send them the information right away which we did. 

However, to date they failed to review the documents we sent and failed to apply a temporary credit as they promised they would do.
both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them. 

Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place. 

I have contacted XXXX XXXX XXXX about them calling my work number too. 
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me.
This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran.
This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score
Chase Mortgage offered mortgage forbearance after our home flooded during Hurricane Harvey. They told us in XX/XX/XXXX that our forbearance would be extended until XX/XX/XXXX. We called back to confirm multiple times, and they confirmed multiple times. We planned our finances to be able to come current on our mortgage by XX/XX/XXXX. Then on XX/XX/XXXX, they called us to say that our forbearance would end XX/XX/XXXX. We asked about the XXXX date and they said it wasn't in their notes and that our relationship manager had changed so they have no record of what the prior relationship manager had told us. So we have less than 3 weeks ' notice to come up with over {$12000.00} or foreclosure protection and credit protection end, and they will not let us come current after that date because they limit the payments we can make after that date.
Sallie Mae is engaging in harassment tactics to attempt to collect payment. From having XXXX, I know that it is not legal for companies to engage in such practices. They call me several times PER DAY, and many of the calls are during work hours. This is completely inappropriate. It is also entirely inappropriate for them to call my mother during business hours. As of today, I have written them a letter demanding that they stop immediately. I will file an additional complaint if they do not adhere to my demands. Any of the times I have answered their calls, their agents have been incredibly rude and/or condescending. I will not stand for this kind of treatment.
Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.
To whom it may concern : This is an issue that I had/have addressed previously with your organization. I called today to the CFPB, and it was suggested that I might be well behooved to file a second and separate complaint, since this matter has still not been resolved. 

I ( will keep this as brief as possible ) as the details can be viewed in the previous complaint. 

The company in question is Accurate Background. This background check/reporting company sent me a letter dated XX/XX/2018, with a 'corrected ' background check / report that STILL has incorrect and of course more important, still is damaging to my reputation and ability to get a job going forward, etc. 

I have lost FIVE months of employment ( part time ) with XXXX XXXX, since this background report company provided XXXX XXXX  a seriously inaccurate report, and my offer of employment was declined. 

Thank you in advance for your assistance. 



Sincerely, XXXX XXXX XXXX-XXXX-XXXX
Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.
Copies of paperwork sent to   XXXX   XXXX   stating : vehicle sold for {$100.00} on   XXXX   XXXX   XXXX     by way of bill of sale and release of liability, new vehicle owner incurred towing and impound charges some time after  XXXX  sale. After sending legal documentation as proof of NOT being responsibility to any fees, fines, towing or impound  charges.. Company ign ores legal paperwork and continues to pursue collection efforts ... trying to force payment.. company practices bad business
I've recently pulled my free annual credit report from XXXX. I've learnt that Citi Bank pulled my " hard '' report in XX/XX/XXXX. I understand that this negatively effect my credit score. I disputed this information via XXXX 's website. Upon receiving an email that my dispute was completed I called to find the results, since XXXX 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with Citibank and I've never opened one - they won't talk to me. And in addition, XXXX released my credit information to Citibank without my authorization. Therefore, XXXX should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with Citibank, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from Citibank. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.
To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none.
I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. God bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX  inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,
TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

After over 45 minutes of walking, being frustrated, embarrassed and stressed out searching for XXXX XXXX XXXX, XXXX, Oregon XXXX. I realized that the address contained in my credit report from TransUnion was inaccurate. Their is no such address as XXXX XXXX XXXX, XXXX, Oregon XXXX. Thus, XXXX XXXX initial and current consumer report prepared by TransUnion contains further inaccurate information, in violation of FCRA. 

I called the telephone ( ( XXXX ) XXXX ) listed on my credit report and learned the actual address is XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. 

I traveled to XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to obtain a certified copy of the tax lien issued by the XXXX XXXX XXXX XXXX XXXX. The certified tax lien specifically shows two different year tax lien ( XX/XX/XXXX and XX/XX/XXXX ). XXXX XXXX initial and current credit report fail to distinguish XXXX XXXX XX/XX/XXXX and XX/XX/XXXX tax lien. 

The failure to distinguish, update, remove, and instead continually reporting XXXX XXXX inaccurate tax lien by TransUnion was inaccurate, and occurred because TransUnion failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of his consumer report. Specifically, TransUnion does not follow the same automated and systematically rigorous processes to obtain all distinguished, satisfactions, releases, or other changes to the public record status of tax liens that it follows to obtain the original entry of tax lien information in the public record. 

Indeed, TransUnion follows no procedure which assures that, when distinguished, paid, satisfied or released tax liens under Oregon law, the updated status is promptly obtained and reflected upon the consumers credit report. 

ODOR public record indicated that the XX/XX/XXXX and XX/XX/XXXX tax lien had been distinguishable on a date prior to the date of the TransUnion consumer report. 

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

As a result of TransUnion continues violation of FCRA, XXXX XXXX has suffered and continues to suffer damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.
I have advised the collection agencies for XXXX XXXX XXXX XXXX to not call my job multiple times and have provided them with Mobile number and they still continue to call my job. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.
XXXX  has  XXXX  accounts on my Transunion and  XXXX  reports that are over the seven year period.