WillisBack/dataset-financial-user-claim huggingface dataset:
I'm a victim of identity theft. Even though I did not have any credit card from American Express, someone apparently used my ID information, opened a AmEx credit card in XX/XX/2017, and made purchases for about {$8600.00} using the card. I made several phone calls to the American Express office informing that the debt was from an identity theft. I reported the ID theft crime to ( i ) Police Department ; ( ii ) FBI ; and ( iii ) FTC. I sent all of the reports ( police report, FBI report and FTC ID Theft report ) to American Express to show them that I was a victim of identity theft and asked them to close the unauthorized credit card account under my name and remove any charges on the account. However, American Express said they are unable to accept my claim since I RECEIVED AND USED THE CARD ISSUED IN MY NAME although I never received the card and never used it. I requested all of the information provided to American Express at the time of the credit card application. American Express provided the information to me. Among the information, the person used a XXXX XXXX address and additional card member 's social security number and birthday which does not belong to me. Although I appealed American Express that those information is not mine, they are still not willing to accept my claim. Rather, they recently hired a collection agency to try to collect the debt that I have been disputing with them.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.
While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. 

I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint. 

After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX. 

XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. 

Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc. 

My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.
To '' ATTENTION XXXX  CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH XXXX THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX  CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
I was contacted by IQ Data International about a fee due. I gave them payment information to settle the fee of XXXX. The representative that I spoke with said they were located in Washington state. I asked for a confirmation email stating how much I owed. The address in the confirmation letter, when googled, is not the address to IQ Data International. After I spoke with the attorney general in Washington they said that the company does exist but they are not licensed. The company has tried to take the money 8 times.
capital one bank pulled a fraud inquiry on my XXXX report on XX/XX/2018 that was not authorized by me due to a fraud online credit card application and needs to be removed from my report asap my SSN XXXX DOB XXXX
Equifax continues to let XXXX XXXX to damage my credit with a debt that has been cleared. I have repeatedly ( more than 8 times ) through the CPFB and others, sent Equifax copies of the paid invoice with a XXXX  balance. They continue to falsely carry it on my record with them. They are the only CRA doing so, all others have removed the claim. Now they also want me to fax them copies of my drivers lic. and social security. I will not. They lose to much info on their clients by not properly protecting this same info they want from me. They know I'm me, why else would I keep after them to get this right?
This complaint is against the XXXX. I directed that the referenced complaint in the original dispute be made public. After bringing it to XXXX XXXX XXXX 's attention in a phone call with " XXXX XXXX, '' a XXXX supervisor, that it was NOT made public, it still was not subsequently changed to allow the public 's viewing. This is particularly disturbing because this complaint is a hacking of my Equifax account that XXXX XXXX XXXX XXXX is hiding. Additionally, " XXXX XXXX '' was supposed to call me back and never did. THIS COMPLAINT SHOULD BE MADE PUBLIC AS THERE IS NOTHING IN THIS COMPLAINT THAT INCLUDES SENSITIVE INFORMATION.
remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.
On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. 
I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.
I received a late fee on my account, which i was told ; would be forgiven. I was instructed to subtract the {$25.00} late fee from my total balance. I subtracted the {$25.00} late fee and paid my balance in full. Recently I received a statement from the credit card holder. Assuming there was zero balance, I prepared to tear the statement for disposal. While tearing the statement I found there was a {$97.00} balance. I called the merchant right away to clarify the Charges because I had made NO purchase since the last balance pay off. After calling the merchant I found that the {$25.00} late fee was not waived as promised and go figure Target said they had no record of the phone call where the rep promised to forgive the {$25.00} late fee. In addition to Target not waiving the late fee they charge additional late fees on top of a late fee. Target the Merchant offer no options to resolve the issue, I was only able to speak with collections who has no capabilities of resolving balance issues, from my understanding Customer service does but my account can only be handle by collections. Collections continue to call me to threaten additional late fees although I closed the account and request to formally dispute the amount, they continue to charge late fees on a late fee balance with no means to resolve the issue. the balance on my account is all driven from the targets ongoing late fees not one cent is from purchases made by me. I have been a Target credit card holder Since XX/XX/1993 I do not have a history of late fee 's or outstanding balances, Target recognize my account history but offer no options to retain me as valued customer not one. Sounds like they want to keep the issue open so they can continue adding late fee expense to my account
I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.
Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law
I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have.
My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.
I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.
I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other credit report.
I FILED A DISPUTE WITH TRANS UNION BACK IN 2014 ASKING YOUR COMPPANY TO VALIDATE SOME ACCOUNTS THAT YOUR COMPANY WAS ALLOWING TO BE REPORTED TO MY CREDIT REPORT THE ACCOUNT WAS DELETE THAN REINSERTED BACK TO MY CREDIT REPORT STILL NOT BEING VALIDATE PLEASE CORRECT THE ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX SHOWING XXXX TIMES ON MY CREDIT REPORT SAME ACCOUNT NUMBER XXXX I DO NOT HAVE XXXX STUDENT LOANS HOW COULD YOUR COMPANY ALLOW THAT TO REPORT TO MY CREDIT REPORT. 
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT REPORT
My loan balance, has increased considerably over the last year, I was told would have a smaller monthly payment, that has not ever happened.
An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.
I XXXX in XXXX with a stafford loan debt of {$38000.00}. The current balance is now {$70000.00} - insane. I consolidated my loan while still in school and never realized that I was doing so at a very high interest rate of 8.25 %. I 've tried numerous times to get them re-consolidated so I can get a lower interest but I 'm told that I can not do this. It 's unfair that I 'm penalized for the rest of my life for a mistake I made so long ago. I want to pay my loan off but find it impossible at this rate. They also convinced me to do forbearance and deferments and now I 've used all of them up. I am always strapped with cash because of this loan and it 's difficult to help my family out as well as pay for my expenses. My balance has doubled since I took the loans out. I need to lower my interest and get this balance down. My payments barely cover the principal. It all goes towards interest. Please help.