WillisBack/dataset-financial-user-claim huggingface dataset:
ORIGINAL TRANSACTIONS ( authorized ) Oldest to newest : XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$12.00} That is exactly how they appear on my credit union transaction history. The only information removed is my debit card number. These were authorized and acceptable. Now, here comes the problem. 

XX/XX/XXXX I check my history to find an entire double unauthorized set of transactions all posted at the EXACT same time but with slightly modifed decription : UNAUTHORIZED TRANSACTIONS : XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$12.00} As you can see, they changed the charge and added " XXXX XXXX '' to it. They still have the original date at the end. These are NOT authorized in anyway. I have NOT made any purchases for virtual currency on XX/XX/XXXX. 

The original transactions POSTED and the money was REMOVED from my checking account via the debit card. The unauthorized transactions POSTED and the money was REMOVED from my checking account. 

I have sent in a ticket but haven't heard anything back and have Case ID : XXXX was on the phone waitning for a rep for an hour, heard someone breath, then got hung up on.
I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.
The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.
My mortgaqe servicer, PennyMac, has not paid the property taxes on my home. These taxes are included in my mortgage, and they are now 5 months past due. XXXX XXXX will file a lien on the property. I have spoken to PennyMac on multiple occasions, but they have stull refused to pay the taxes
I went to Equifax 's website about the security breach. They told me that my data was likely compromised. I tried to sign up for the free monitoring service. After one week ( not 48 hours ) I  received an email from trusted id customer service. To verify my identity, i was told a text was sent to my cell phone. it was not. When I asked for the code to be resent, I was told that I was already enrolled and to please enter my email and passcode. The password did n't work so i asked it to send a reset password to my email. It did not arrive. I called the number provided on the website to Trusted ID. The woman could not help me, unless i gave her information about loans that were 9-10 years old. I would like to know if my data is compromised.
I am using my AMEX for the company that I am working for, I will attached the email that I received from Finance Controller confirming this. I am behind on payment to AMEX while I am waiting for the Reimbursement from the company. Amex has been calling my phone asking for my sons for payment. I am the primary card holder but they are reporting this delinquent to their credit reports. I am also attaching the statement confirming they have XXXX transaction in 2015. They are only subsidiary card holders and should not be responsible for the delinquent of this account.
Equifax has repeatedly refuse to delete hard credit inquires on my credit report stating that credit inquiries are a matter of factual data
I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.
I am a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
I have noticed an account in collections ( for the amount of {$1200.00} ) from the company Allied Collection Services in XXXX XXXX, Nevada that is negatively affecting my credit score. However, I did not receive any notification of the debt until I noticed it in my report. The collection agency is also not licensed to do business in the state I live in ( Connecticut ), and I would like to have it removed from all three credit reporting agencies. Thank you for your help.
On XX/XX/2018 I began a loan with XXXX  ( XXXX XXXX XXXX ).  I made my first $ XXXX+ payment on XX/XX/2018. The loan was supposed to be a 5-month title car loan. I HAVE MADE FULL PAYMENTS EACH MONTH since XX/XX/XXXX via the company 's mobile app. Occasionally I would receive calls from vendor, but rarely responded to their messages, as I was told at the beginning of loan by XXXX and XXXX that courtesy calls for payment reminders are generally made. On Saturday, XX/XX/2018 I spoke to a XXXX at the store and tried to explain to him I had never missed a payment and would come in and discuss the issue with him. I told him at the time I was ill ( had just been involved in a XXXX  car accident in Washington DC on business ). On Wednesday, XX/XX/2018 at approximately XXXX XXXX, I discovered a tow truck in my garage loading my car up. My husband and I immediately ran out, to no avail, as the guys liading the car were not aware of the payment details. I am so distraught, as I know I am in the right and have made copies of all my bank statements for past few months with all payments indicated, as well as copy of XXXX   's mobile app payment history, noting each of my payments.
am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
My loan servicer, FedLoan Servicing, has been unable to produce the Master Promissory Notes for my consolidation loans. These documents are required by a loan repayment program offered through my employer. I have called them approximately 8 times over several months for these documents. In the first few calls, I received conflicting information about whether or not FedLoan Servicing had the documents. Representatives also kept referring me to other sources instead of escalating my request with FedLoans, who is the servicer of the loan. The servicer is legally required to hold the Master Promissory Notes. 
When asked if they could provide any alternative documentation such as an affidavit that they have lost the promissory note, FedLoans representatives said that they are unable to do so. 
This represents a failure to provide a basic service to me as a borrower.
I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting XXXXredit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of {$940.00} with the promise that it was a 0 % interest with 12 equal payments. That would be $ XXXX/mo. However, when I received the statement, it showed the minimum monthly payment as {$34.00}. If you read the fine print on the back, it appears that if I pay only $ XXXX/mo that I will be charged 29.99 % interest. Nowhere is shown the {$79.00} payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.
West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.
I was called by these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
They claimed to be the C.B.E. group and were very convincing. 
I believed they were collecting a debt I obtained from an unpaid student loan because the amount they claimed was very close to what I believed I owed. 
I gave them XXXX $ on my debit card on the XXXX/XXXX/16 which was pending until the XXXX of the same month. They told me if I was n't able to pay by the XXXX that the account would be sent to another collection agency. ( They have called multiple times before but I was unable to pay at an earlier time ) Today, I attempted to call the C.B.E. group that I found online to pay the rest of the owed debt. They told me they could n't find my information or account anywhere. They referred me to the XXXX at XXXX XXXX XXXX XXXX XXXX I called them and asked about my account. They also could n't find anything in their database and even checked their archival dept. which showed nothing with my name. They referred me to another branch which I called at XXXX XXXX XXXX XXXX talked to me the longest and searched for my info and also could not find anything. 
A few hours later, I get a call from the original people who were claiming to be the C.B.E. Group again and they said they wanted the rest of the owed money from the account. I believed them for some reason and paid them the XXXX that they claimed I owed them. They seemed very professional but after I paid they said they do not send receipts of their transactions and just left me with a confirmation number : XXXX. 
I asked where I could find the receipt or look up the confirmation number. The lady said she was n't sure and could not give me a clear answer on how to find the information other than calling back or looking in my bank statement. 

This is what the bank statements say : XXXX/XXXX/2016 POS PURCHASE Non-PIN / TREASURY XXXX XXXX XXXX IA {$300.00} Pending XXXX CBE XXXX XXXX XXXX / XXXX Date/Time : XXXX/XXXX/2016 XXXX {$390.00} I do believe these charges are fraudulent considering I can not get any information about my personal debt from the legitimate companies.
This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX  reduced our escrow account by an additional {$4300.00}, showing it was to pay  PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company,  where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX  again to inquire about this issue and the customer service rep could not explain the discrepancy.
I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.
A hold has been placed on a deposit made to my checking account and JP Morgan Chase wo n't tell me why.
We applied for an auto loan online with XXXX XXXX XXXX. Received an email saying that they received our application and attached a copy to the email. We were unable to open the attached application. Moments later we received another email saying a decision had been made. We followed the link ... no decision was accessible. Called XXXX number and they referred us to the dealership to get the information. Called dealership.. they had problems opening the file also. Five days later called dealership and they said application was denied and that the trade-in information was not on the application. The dealership felt that that was probably the issue in the denial. Both XXXX XXXX and dealership wanted us to resubmit our application. We do not want to resubmit because that would put another inquiry on our credit reports. XXXX XXXX not only did XXXX inquiry but XXXX! XXXX by : CHASE AUTO XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX We are very upset that they did XXXX inquiries on our credit report. They were not given permission to do so. We tried working with JPMorgan but kept getting transferred to different offices. We would like to get a copy of the application to see what they based their denial on. From what the dealership says the application they saw was incomplete. Please help.
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.
On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

Thank you
Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.
I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.
First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.
I obtained a title loan on a vehicle dated XX/XX/XXXX. Since that time I lost my job and fell behind on payments. I received a letter from the loan company on XX/XX/XXXX telling me that I had defaulted on the loan and demanding I give the vehicle to them or I would be criminally and civilly prosecuted and face 2 years in prison and {$150000.00} fine. 
A few minutes later an elderly family friend of mine called me hysterically and read to me a letter she had just received in the mail and opened and to my shock and horror it was the same letter they had mailed me. This letter was addressed to both her and me on the envelope. She was simply listed as a reference when I applied for the loan. At no time did I give have never given ANY type of permission to discuss this debt with any third party. I have never even been to the state where my elderly friend lives and have certainly never received mail there. The loan company has a good mailing address for me as well as a good contact phone #. This letter received by my friend gave my account #, Delinquency, dates of loan, all info about the loan, and threats of prosecution of myself. She does not understand why they sent this to her and believes they are coming after her for the loan and that she is somehow involved. She is extremely upset and my life has been in turmoil since this happened since now my entire circle of friends and family know all of this and some even believe that I actually did try and involve her since it is so outrageous that the loan company would send her a letter like this.
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )
In the past 8 months i have disputed my XXXX XXXX XXXX account and XXXX  XXXX XXXX account with EXPERIAN five times and always comes back verified. I requested method of verification and got no respond.
In XXXX XXXX I began discussing a reverse mortgage with XXXX XXXX of American Advisors Group. As of today, although all the paperwork has been submitted and the loan approved was approved in XXXX XXXX, they have failed and refused to go to closing. XXXX XXXX does not return phone calls or respond to emails. There is always some excuse. It took months for the appraisal of my house to be completed. At the last minute, I was informed that I had to pay for the mortgage. The appraisal was finally done and then there have been one delay after another. If I did n't need the money to do certain repairs or to reimburse my savings for repairs already done, I would not be so upset. Each week there is another problem - he called to tell me that there was a mortgage on the house - no mortgage exists - the title company did not notice that when the mortgage was released in XX/XX/XXXX, the lienholder misspelled my father 's name, which they corrected with a second release of mortgage. Within 5 minutes of receiving the call from XXXX XXXX, I was able to show him what they missed. I had submitted all documents which XXXX XXXX said they needed, yet repeatedly I am receiving calls asking for the same documents over and over again. I have called numerous times and asked to speak with XXXX XXXX 's supervisor, no one ever answers the phone or when I leave a message, no return call is received. Last week I received a call from XXXX XXXX from XXXX XXXX XXXX and we went over judgments that were n't mine. Have not heard back from her. AAG has placed me in such a financial bind that I may not recover from it. XXXX should not be an approved HUD reverse mortgage lender. Please help me! The supporting documents are so voluminous that I could not upload them. I did not receive a XXXX XXXX XXXX nor did I receive a letter of approval. All approvals were verbally given to me by XXXX XXXX.