WillisBack/dataset-financial-user-claim huggingface dataset:
I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.
This is my fourth complaint about overdraft fees on my account. I am attaching documentation to show that Key Bank changes the order of credits and debits to accounts. I would appreciate someone from the Consumer Financial Protection Bureau to closely look at my documentation this time as I have copied my account over the last two days to show the discrepancies in accounting. This last overdraft I received because I moved XXXX $ from my standard checking to my son 's Hassle Free account. The reason my account over drew in the first place two days ago was because of the fees debited by Key Bank. On the ledger there is no sign of overdraft before the fees were debited. In response to the overdraft complaint yesterday, Key Bank sent a tutorial with a fictitious person named XXXX who is XXXX XXXX and very young. The tutorial says that she over drew her account buying coffee and donuts. Besides the very problematic racialization of XXXX, Key Bank blames the customer when actually what is happening is that Key Bank alters the timing of debits and credits in ways that incur overdrafts. My ledger shows several deposits in the last few days yet they mysteriously move around in the ledger as do debits. Once an overdraft is debited in accounts that are fragile ( meaning no overdraft protection attached and low balances ) these fees throw the account into disarray resulting in yet more overdraft fees. Please CFP look carefully at my account. I am not some crazy person continuing to complain. I am an educated woman who follows her account diligently and I am going to continue to complain because I know if this is happening to me, it 's happening to others who perhaps do not have the money to pay the fees. I have attached a short analysis in a document. It 's short becasue i really do not have time to do this every day. I want these fees to stop. I am probably going to receive yet another overdraft fee because my account was overdrawn this morning. The only reason my account is overdrawn is that Key Bank has debited excessive overdraft fees from my checking account..
I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.
I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me
On XX/XX/XXXX I called Naviant to request to remain on their Rate Reduction Plan that I have been on for several years. After much discussion with the individual I spoke with, XXXX, she spoke with her supervisor and he requested I fax them the last 3 months of my bank statements. I did so on XX/XX/XXXX referencing my acct # XXXX at a cost to me of over {$30.00}. Since then I received no follow up from them on my request from either XXXX or her supervisor, but just an E-mail stating my next payment due on XX/XX/XXXX will be for {$580.00} instead of my current payment of {$300.00} almost 95 percent higher than what I was paying monthly. There is absolutely no way I can afford that increase as I am on a pension and Social Security only and can not at my age, XXXX, take on anymore part time work due to failing health and other financial obligations all of which I explained to XXXX in great detail. After I repeated all the details to XXXX she stated it looked like I had about {$51.00} left over ever month. Since I initiated this loan in XX/XX/XXXX I have paid them over {$30000.00} from the original amount of {$45000.00} but I still owe them {$48000.00}. I also explained to XXXX that I have taken out 3 different insurance polices with XX/XX/XXXX XXXX that amount to {$50000.00} just to cover my debt to Naviant when I pass away. My youngest daughter is the beneficiary of those policies and it is her best interest to use the funds to pay off the loan because she is listed as a co-borrower. Please contact them at XXXX to ask them to extend my Rate Reduction Plan for the rest of my life and quite trying to get more money out of me every year. Last but not least I am a XXXX veteran. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX.
XXXX/XXXX/2016 Dear Colleague, RE : Unauthorized inquiries Below please find enclosed a description of the event occurred that is needed to resolve this case dated as of today XXXX/XXXX/2016 at XXXX If you have any questions about completing your investigation please contact me directly at XXXX ext. XXXX.
I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. 
I have attached the necessary BK discharge papers. 
Please help clear this up so we can refinance our home.
I recently pulled a copy of my credit report and noticed information in error. Credit Inquries : FCRA states that the only permisable purpose for pulling someone 's credit is a ' firm offer of credit b ) insurance c ) employment or d ) court order.The following inquiries are related to none of the aforementiond permissable purposes : XXXX Bank 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 and XXXX XXXX/XXXX/XXXX. I have written letters and been calling for a few months and told them I did not authorize these inquiries. The responded via mail stating that were not going to do anything about it. I have been hung up on several times by their customer service even though I was nothing short of nice and professional.
On credit report it shows the account is open when the statutes of limitations is exceeded as closed. The date the account was open was XX/XX/2013. the amt was {$440.00}. I understand that statute of limitations on this loan is 5 years.
Items were added to my credit report without prior written notification Per FRCA Section 611 all items must be removed
I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.
I apply back in XX/XX/XXXX ( Ref : XXXX ) for a green card from american express that offer XXXX rewards point after I spend XXXX in three months, I spend the money and I didn't received my points, I called at the beginning of XXXX and they told me that my application was not associated to that reward points offer, I wait to paid the statement of XXXX to see if after the 3 months they apply my points reward and nothing was applied, On XX/XX/XXXX I was in the chat with a supervisor and they said the same, and that they will open and investigation about that. I just finish to chat with american express again and the said the same that the investigation is open and that they didn't see link to my application the welcome offer. I have the gold car from american express and with this card I have the same or best Amex Offers & Benefit than with the green card. the only reason that I applied for the Green was for the XXXX points offer, and they said now that the benefits from my application in that card was the XXXX fee annual the first year, that its ridiculous how i'm going to apply for a card that only offer XXXX annual fee the first year?
I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the Credit reporting agencies have not followed the law. Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. 
Blocking Bad Credit Information from Credit ReportsThe law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.
On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.
I reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.
Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.
I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!
The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.
On XXXX/XXXX/17 at about XXXX I received a call from XXXX ( XXXX ) XXXX. The person on the line said this is XXXX from Orion. I asked her if she could provide me with a website address. She was reluctant to give me information. She was very rude, and she said, '' I ca n't do that, XXXX orian you should be able to find it. " She went on to tell me about debt I owed and if I wanted to settle. I told her yes. She put me on hold. The call got disconnected. I called back and again she was very rude. She said, " You hung up on me! I have your credit report right in front of me! You pay no one! You there?! helllooo! Ugh I 'm putting you on hold. '' The call got transferred to another person named XXXX and I did settle the debt with her. She asked me for my work name and phone number. I did n't provide the phone number because I have previously received multiple harassing phone calls. It would be humiliating to receive them at work. This company contacted family members that I do n't speak to. I had a family member call me and ask me if I was being taken to court and being sued because someone by the name of XXXX left a threatening message.
https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire  transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.
It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

Thanks, XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim " My account '' was charged off for XXXX $ in XX/XX/XXXX. This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I also can not even begin to believe the debt is mine as a partial account number is only shown as evidence of a real credit account with missing numbers?

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX