WillisBack/dataset-financial-user-claim huggingface dataset:
Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.
I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE
I deposited {$500.00} with USAA and received a secured credit card. I paid my balance every month and only had the card a few months before USAA close my account with no notice, now warning and tried to charge me some {$80.00} in late fees I did not owe. They took my {$500.00} deposit which was fine. I called and officially closed the account yet after a year and a half they still show my account was active with the credit bureau and constantly late and add amounts to the so called fees owed every month. This account was closed and should be showing as active and fees accruing. I want this corrected!
Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.
On XX/XX/XXXX I completed my business with Paypal by paying off the balance of the account to a XXXX. I have a screenshot of the payment from the website. 2 days later additional charges were applied to the account. I called and was told a cease and dissist was placed on the account and Paypal refused to discuss the fraudulent balance applied to my account 2 days after being paid in full. I have been threatened by the CSR about sending this to collections and " ruining my credit ''. I find these threats to be disturbing since the account was paid off and these charges were added to the account after a XXXX balance was obtained by payoff on XX/XX/XXXX
I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : RVCL PER  MNG XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
It 's a bit difficult to pay the XXXX most expensive bills I have with XXXX paycheck, so I was attempting to move due dates with XXXX of my student loan providers. I called Wells Fargo about a week or two before my due date on XX/XX/XXXX. I spoke to a man and everything seemed to go okay. He told me that there would be no problem with moving my due date to XX/XX/XXXX. Much like the other provider I had successfully changed dates with, he also stated that I would not have to pay that current month on XX/XX/XXXX - that I do not owe anything until XX/XX/XXXX. 

I asked him a few repeated questions : are you sure the late fee I still have wo n't prevent me from moving the date? are you sure there is no way that this request will be denied? are you absolutely sure I do not have to make a payment on XX/XX/XXXX? 

He confidently told me that I had nothing to worry about. My due date will now be XXXX of each month and I did not have to make a payment until then. I then asked if he knew when my account online would reflect the date change - he told me about 3 days. 

A week later, about two days before XX/XX/XXXX, I realized I had n't checked my account online. Sure enough, it still shows that I have a payment due in two days. I call Wells Fargo again, spoke to a different man. He informs me that my request had been denied. 

I asked why I had not been contacted to inform me that I still owed money on XX/XX/XXXX ( as I had been told I did not ). It sounded an awful lot like they were hoping to gain a late fee from me. He told me that they do not have a system in place to contact borrowers for such matters. 
I asked him why my request was denied, despite the last rep ensuring me that it would n't. He told me that I did not qualify to change the date. 
Why? Because I had already changed my date once before. 

The conversation goes back and forth while I tried to comprehend what he was telling me, as he was providing not much description of policy and contradicted himself by once telling me I would be able to change my due date once I paid on XX/XX/XXXX. 

After the ensuing confusion and misinformation, as well as general upset having learned I was lied to, I hung up and called back about five minutes later to speak to a supervisor. She informs me that there is a cap on the amount of days a borrower is allowed to change the due date. 

A few years back, under a different pay schedule, I had moved the due date from XX/XX/XXXX to XX/XX/XXXX. The date change was after discussing alternative repayment options, which I was informed that I did not qualify due to my cosigner. 

The cap is around XXXX, so my request to move my due date 11 days earlier in the month was denied. There was nothing they could do, nor I could do. She had no explanation as to why the first XXXX reps had lied to me, and the most she could do was submit the complaint so that a manager would review the issue with the reps. 

I was lied to, twice. They made zero effort to inform me that they had provided me with misinformation - if I had not thought to check that day, I would have accrued even more interest on top of a late fee.
I was given a homeloan by XXXX XXXX MORTGAGE XXXX of {$80000.00} and I was XXXX and receiving SOCIAL SECURITY {$600.00} /month.This loan was transferred to several banks that i can not keep up and did not know who really owns the note.This loan amounted to XXXX the amount of the original loan that made me difficult to make payments.I was advised by XXXX XXXX XXXX XXXX stop payment and i will qualify for HOME MODIFICATION, I follow the advice untill my arrears become so high and I was forclose and sold my property on auction XXXX.Nobody offered to buy my property and I was told that it belong to XXXX XXXX XXXX AS SUCCESSOR TRUSTEE TO XXXX XXXX XXXX BANK , XXXX , AS FOR THE HOLDERS OF XXXX XXXX TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX XXXX filed Bankruptcy Chapter XXXX hoping these bank will allow me to modify the loan, I was not given a chance to appear on XXXX hearing and the JUDGE XXXX XXXX UNITED STATES BANKRUPTCY JUDGE OF XXXX XXXX OF CALIFORNIA granted TRUSTEE MOTION FOR RELIEF FROM AUTOMATIC STAY .The XXXX hearing was held U.S. BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA., My rights as citizen and homeowner was violated.I was never given a chance to defend my self and that I have the physical possession of TRUST DEED, TRUTH AND LENDING ACT, AND ORIGINAL NOTE OR SECURITY INSTRUMENT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
XXXX weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages XXXX ' credit accounts is XXXX Bank. 

I was told they would contact me within XXXX to XXXX days. But they have not told me why my application was rejected and it has now been almost XXXX weeks.
Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.
I have made Electronic Funds transfer to my girlfriend using her mobile number in online banking. She did receive a text confirming she received the transfer but when she checked her bank account the money wasn't there. I have filled claims with Bank of America but customer rep said the money went to someone else and this person didn't agree to return the money. How is possible that her mobile number was used by someone else? She has the same mobile number for around 10 years. I understand that Bank of America should be checking if the mobile number is valid and if it has been setup by the owner to receive money. 

The first transfer was made on XX/XX/XXXX with amount of US {$1600.00} and second transfer on XX/XX/XXXX with amount of US {$500.00}. 

Claim numbers : XXXX XXXX Thank you
I contacted Chase bank on XX/XX/XXXX around XXXX on issues of XXXX XXXX XXXX on authorize debit of {$440.00} out of my Checking Account. 
I signed a agreement online on XX/XX/XXXX on with XXXX Extending the arrears payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX n the back of my Auto Loan. 

Regular Periodic payments continuing on XX/XX/XXXX and resuming periodic payments continuing on 4th of each month on time. 
I filed a claim on XX/XX/XXXX at around XXXX with Chase bank Rep on a live cell phone conversation XXXX. 
I respectfully ask Chase Bank not to release the funds to XXXX and keep the funds in my account as I have written a check to pay a my XXXX  XXXX Mastercard bilXXXX of {$200.00}. 

Chase bank release the funds of {$440.00} to XXXX from my checking account ending # XXXX and now my Checking account is overdrawn over {$600.00} dollars. 

On XX/XX/XXXX at around XXXX I went to Chase Bank at Consumer Banking XXXX XXXX XXXX, XXXX, California.XXXX -XXXX. 
I spoke with personal banker Mr.XXXX XXXX.NMLS ID:XXXX. 
I explain to him on the the issues of funds been debited unauthorize by XXXX and he called Chase bank Claim Department. 
I talk to Chase bank claim department and she stated that claim was implemented on XX/XX/XXXX and I told her I had evidence of XXXX issues and Mr.XXXX fax XXXX document on agreement in not debiting the {$440.00} on XX/XX/XXXX out of my checking account. 

A CFPB complaint was filed by me on XX/XX/XXXX against XXXX XXXX XXXX, filed complaint case # XXXX I am XXXX Lifetime and XXXX. 
I only receive California XXXX XXXX XXXX Lifetime Retirement Pension Income only.
i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history
I utilized a XXXX XXXX XXXX XXXX Mastercard serviced by Synchrony Bank to pay for a {$85.00} charge for services at the XXXX XXXX XXXX. However, instead of just the one single charge, they have continued to bill my credit card to a total of {$3100.00}. I have written and talked to their dispute depart at Synchrony as well as the Fraud Solutions Department. By letters attached, they have indicated that they have resolved this matter and remove the charges as well as updated all applicable credit card departments, see attached letters. However, to date, they have not. I need assistance getting this resolved as calling the bank only puts me from one person to the other, all of whom do not know what the other is talking about or how to resolve this.
I have been paying my student loan from Wells Fargo since 2011-ish, and  historically have struggled to make the {$450.00} payment every month. I currently work in XXXX XXXX and my take home pay is about {$2400.00} a month. They are taking a fifth of my income every month and if I have unexpected expenditures in a month, I may get behind at which point I get letters in the mail and my cosigner and I get calls every single day sometimes up to five calls a day, recently it has only been one call per day for the most part. I have looked at refinancing the loan with them which saved me a negligible amount of money, and tried to get the loan restructured and based on my income and they refused to lower the payment. I have called and spoke to a few different people in different departments and basically no one there is  willing to help me get this loan on track. I clearly can not make this payment every month, and I have demonstrated this over the course of years. I am currently three payments behind as I just switch jobs and am trying to figure out how to get my account current. If they would restructure the loan, all my problems would be fixed. This loan is basically ruining my life, is extremely hard to keep up on, and has been a massive headache. I want to pay it, but I do n't want to pay an amount that makes life difficult! I do n't understand why Wells Fargo will not help me.
I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.
I called Transunion to get my annual free credit report and Transunion said they stopped doing free annual reports, after that Transunion asked me for {$19.00} to see my credit report and score.
I applied for a credit card with USAA and I was declined despite having a XXXX XXXX Score over XXXX at the time of applying. 

Each and every time I 've contacted USAA they seem to be giving me XXXX different answers. 

1. The most recent response per the attached letter states that " we were unable to verify your identy '' being the reason for decline. 

2. They told me that there was a carpayment from XXXX, per XXXX that was being reported as {$4500.00} per month and that this was offsetting my debt to income ratio. I contacted XXXX and they were infact reporting false information and have corrected the information, I sent the attached letter from XXXX to USAA to reconsider and the refused. 

3. Various other semantic answers per recorded conversation, which can be provided upon request if need be.
I have an checking account with TD Bank. There was a security breech at the XXXX XXXX and all information with regards to card numbers and pin numbers being stolen. They froze my account in I believe it was XXXX and said in the letter explaining the problem that a new card would be sent to me and it never was. I have called several times trying to get my money out of the account but they always say that they cant help me because I cant tell them about any transactions I have had in the last 90 days. The only thing I can do is go into a TD Bank branch and prove who I am, meanwhile a frozen account is still being charged {$4.00} a month for maintenance fee. I am a XXXX running projects in XXXX XXXX and the TD Bank is only in the XXXX states and XXXX. They are basically stealing my money by refusing to give me my money back in a check sent to my house in XXXX.
I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.
I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.
TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper
In XXXX, I received an escrow analysis from Ocwen which indicated an escrow shortage. I paid the full amount identified as the escrow shortage. Yet, Ocwen raised my mortgage payment -- applying the additional amount to Escrow because I only paid the amount they indicated as the shortage. 

E-mail correspondence with Ocwen is available upon request.
There have been several hard inquiries on my Credit Report from XXXX and Transunion that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX = on XXXX from XXXX  XXXX XXXX = on XXXX from XXXX
In XXXX I took out a federal student loan for ( XXXX ) XXXX dollars. ever since XXXX my taxes has been taken. Its been 30-40years and my taxes are still being taken and this student loan has been paid in full 30times the amount. Now this credit bureau is haressing and calling every day and I am not going to pay them when this student loan is over 40years old and the school went out of business. I need help, the name of the agency is Allied Interstate base in XXXX, OH. thanks
under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT