WillisBack/dataset-financial-user-claim huggingface dataset:
Early in XXXX 2015, the XXXX or XXXX we received a call from XXXX that they had a question about an order placed by XXXX XXXX requiring XXXX packages and charged to our PayPal ( XXXX Bank ) credit card. We immediately informed the caller that we never placed the order and an email address provided by the buyer XXXXXXXXXXXX ' was not XXXX of ours. The caller from XXXX said she would issue an order to stop the shipments. We immediately called the credit card bank through PayPal and the card was cancelled and told a new XXXX will be issued. They noted our complaint of card fraud and said they would investigate. This was a representative in XXXX. 
We received a letter dated XXXX, 2015 from XXXX bank, a copy enclosed, stating they did not find any unauthorized purchases and this is after we identified these fraudulent charges to both XXXX and PayPal. 
Recently when time permitted we again contacted XXXX who confirmed the XXXX of the shipments were intercepted before delivery and returned, but XXXX shipped XXXX by XXXX. shipped on XXXX XXXX, 2015, even though already reported fraudulent, and delivered via rerouting request to an address in Texas. Tracking information from UPS and XXXX confirms this. A report of this fraudulent activity has been submitted to the XXXX, NC police department. 
We are concerned with the lack of assistance from PayPal to investigate properly and help to identify the criminals involved. They have apparently decided it was not their responsibilty to assist to get these charges removed. I believe the PayPal response to our report falls into an area of non ethical or even dishonest business practice. 
XXXX has removed and charged back the charges and will further investigate the address of the recipient of the fraudulent merchandise order. 
We have cancelled this credit card and resolve not to deal with this company-bank any longer.
This Glitch that happened is not my problem that TransUnion had and not mine. As you can see this is a case of something TransUnion has done. This glitch caused my inquiries to be deleted and TransUnion later added all   XXXX   back to my credit report withing giving me without giving me a five day written notice as required by law.     TransUnion added  XXXX  inquiries to my credit report without notifying me at all. The   XXXX     inquiries TransUnion added are  XXXX ,  XXXX , and  XXXX . I have called TransUnion twice on the phone regarding this, and for them to remove these   XXXX   injuries that they illegally added on good faith. The first time I spoke  XXXX  from the United States on   XX/XX/XXXX   around   XXXX   XXXX   and was told that the inquiries are not part of the glitch that TransUnion had. That nothing can be done. On  XX/XX/XXXX  spoke to  XXXX  from the United States around   XXXX   XXXX    and  XXXX  told me I have to submit proof that these  XXXX  inquiries were illegal added. I told her I do not need to submit proof of something that TransUnion illegal added. I said that you did not notify me in any type of way, and I know you have to notify me within five days. That these accounts need to be removed. After that  XXXX  hung up on. Both of these representatives from the United States only gave me their first name, and I asked for last name, badge number, or something and I was told by  XXXX  that they are only allowed to give their first names.             These are the   XXXX   inquiries :   XXXX   -    XX/XX/XXXX      XXXX   -    XX/XX/XXXX     XXXX   -  XX/XX/XXXX
I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.
I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.
Someone from my loan company, American Education Services contacted me today, XX/XX/XXXX at XXXX. It was due on XX/XX/XXXX. She asked me about making a payment on the loan. I stated that I couldn't make a payment because my husband takes care of paying that loan every month. Speaking to him and finding out why the loan hadn't been paid would be the prudent thing to do first. She became what I felt was unnecessarily aggressive in her tone and said, " Well you need to find out what's going on. '' She was doing all of this without even having all of the information on account pulled up on her computer. She finally looks at my information and sees that there is a payment scheduled for today. It will hit their account tomorrow. I guess that wasn't good enough because she continued to push for me to make a payment TODAY.
I applied for the citi thank you premier card on XX/XX/XXXX. I received the card in the mail and activated it, but within a week a fraud hold was placed on the account and the card was locked ( but not closed -- just made unusable ). I did not even have an opportunity to use the card for a single purchase before this hold was placed on the account. I called the number on the back of the card, and was transferred to the XXXX XXXX XXXX department, and they informed me that they needed me to fill out an identity verification form and return it so that the hold could be removed. I received the form in the mail, filled it out, returned ALL pages and a copy of my social security card, and waited. I regularly checked my account but understood that the documents may take a little time to process, but after ample time, the hold still was not removed. I called again and was informed that they received my documents but did not receive the " second page '' ( the second page refers to pg. 2 of the identity verification form, it is nearly blank form that has a few sentences on it that are continued from the first page, but there is no information for me to fill out on pg 2 ). I said " ok '', and they said they would send another form and to send it back. I did so, being 100 % certain that all pages were included and sent it in again with my social security card copy. I waited and the account remained locked. I called in, and again they said they had not received all pages. I told them that I was certain I sent everything in. They requested I send everything in again. I completed this process a total of 3 or 4 times over the course of 4 months, and it still remains unresolved. Today ( XX/XX/XXXX ) I called citi, was transferred again to XXXX XXXX XXXX, they are again requesting that I send in the form and documents. I asked to speak to a supervisor, who said they cant do anything with the account until the forms are received. I requested to close the account, and they said they are not able to. This is absolutely ridiculous. I am stuck in some kind of vicious cycle with Citi, my account is incapable of being closed, my sensitive personal documents have been lost, mishandled, disappeared or some combination of all those things. They refuse to let me talk to someone who can even close an account that I wish to no longer have open and the only option I am given is to keep sending my personal info ( including copy of social security card ) to this department that has shown it can not handle the information and can not resolve the issue. 

Not only am I worried about this particular account, but I am concerned about my personal and confidential identity information being compromised, because the sensitive documents I have sent in multiple times have been so severely mishandled.
I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit XXXX cards with Capital One at that time. I had a credit line of over {$10000.00} on the first card. No sooner had my husband died, the credit limit on that card was brought down to {$500.00}. I also noticed Capital One was using my {$85000.00} mortgage on my house toward XXXX credit, which I understand is not supposed to be used for these purposes. I closed that first card. 
Two weeks ago I applied for a greater line of credit on the second card, which has a limit of {$5000.00}. I was denied the increase because " Recent use of this account 's existing credit line has been too low. '' However, I have charged up to {$800.00} on this card in the past, and I have pristine credit including well over XXXX XXXX score ; pay all my bills on time ; pay the full amount ; never went into delinquency ; never made a low payment, and this account has never been past due. Also, Capital One did not tell me what a suitable charge amount is. 
I feel Capital One has been discriminating against me and its practices have been deceptive, especially since this all occurred after the death of my husband ( six months later ) whose finances were separate from mine. I have always had pristine credit. It appears also that my credit from other banks have not been harmed because of this issue with Capital One. I would like to know what options I have. Are they allowed to use my mortgage amount to determine the line of credit for a credit card?
XXXX XXXX  never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from XXXX XXXX  all ways the run around some one going to call back. I call XXXX XXXX over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from XXXX XXXX  and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by XXXX XXXX
I would like a real investigation do to a late payment from XXXX XXXX that was put on my experian credit report that is inaccurate. I have filed a dispute with XXXX XXXX do to automatic payments error once setup by a representative after filing they removed the late payment from XXXX and XXXX and I am trying to find out why this has not been removed from Experian. I have disputed with you previously and got letter saying updated. This is far from the truth and I believe you 're committing FRAUD on my account by reporting inaccurate information when I request physical proof! I request a human investigation to verify with documentation proof from the creditor reporting this information and have this sent to my address. 
If my request is not completed I will take legal action for my requested information of proof and compensation for violating the FCRA. 

If proof can not be provided I would like this to be removed off my credit report immediately. 

This Account is also a business card that should only report on my business profile. 

Attached if my proof this has been removed no please send me your proof.
On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.
Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.
Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.
I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX  after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX account was reaffirmed in the Chapter XXXX   Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX   was discharged in the Chapter XXXX Bankruptcy in JXX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX  dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,
XXXX XXXX There is a BANK called XXXX  which main Company are in XXXX Texas XXXX. 

This Bank acquired a REVERSE MORTGAGE on my Property at XXXX XXXX XXXX XXXX in XXXX FL. XXXX under my name XXXX XXXX about more than 5 years ago, and under the account # XXXX. 

As having a Reverse Mortgage I do not pay any monthly Mortgages Payments I just Paid annually the Property Insurance and the Property Taxes. 

It seems that there was a balance of {$680.00} that I was owing to this Bank XXXX  but this BANK never let me know about this balance. I just knew about it three ( 3 ) days ago when I received a letter from a lawyer from XXXX telling that my house was going to be foreclosure and this Lawyer attached to his letter a Filing # XXXX filled for a Lawyers from XXXX XXXX Company named XXXX, XXXX XXXX XXXX XXXX phone # XXXX. 
This lawyer Company also never made a server to XXXX XXXX of this Filing for a NOTICE OF LIS PENDENS. 

When I XXXX XXXX received this letter from this XXXX 's Lawyer I asked my neighbor Named XXXX XXXX to read this letter as It was in XXXX and I only speak and read spanish. She told my that a BANK is trying to foreclosure my Property and my neighbor inmmediately called the XXXX XXXX and asked what happened?? 
Then a Representative from XXXX  told my neighbor XXXX XXXX that I was in default and owing this BANK the small amount of {$680.00} for a balance on a Property Taxes of the Year XXXX. Then the same day XX/XX/XXXX I get a CASHIER CHECK for {$680.00} and mailed by certified mail directly to the address the Employee from XXXX  told my neighbor. My neighbor told them that XXXX XXXX never ever received and statement from the XXXX XXXX that he was owing this money.. And never ever received a summon o a server from the attorneys XXXX, XXXX, XXXX XXXX XXXX. 
Then without any information from the XXXX XXXX in Texas and from the lawyers in XXXX XXXX, this BANK is trying behind my BACK to foreclosure my Property that has a REVERSE MORTGAGE from the Goverment. 
This is the complaint I would like to place with the CFPB because what this BANK XXXX  and the lawyers from XXXX XXXX they are trying to make me is a kind of FRAUD against me and my Property as I XXXX XXXX stated that never ever received any information from this BANK that I was behind or owing any MONEY to them. 
Then they are trying to FORECLOSURE my Property to a man o XXXX years OLD. 
I am enclosing support documentation and a copy of the check for {$680.00} I mailed to them on XX/XX/XXXX when I knew from the BANK I was owing this money and with a certified and return receipt letter. 
The BANK never ever sent me and statement notifying me that I have a debt with them. 
Thanks, XXXX XXXX XXXX XXXX/ Legal Representative XXXX ( XX/XX/XXXX )
Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.
Last year 2016, I applied for an saving/checking account with the Navy Federal Credit Union ( NFCU ) online. I called to check the status of my application, which I was told that my application was denied. It was denied, because I need to email over proof of identity ( like bank statement, driver license, social security card, and etc ). I was told to email the documentation to email address XXXXXXXXXXXX and XXXXXXXXXXXX. Once I emailed the information over, I was told by the rep that I was denied because there was an warning on my credit report through XXXX XXXX XXXX ( XXXX ) with XXXX XXXX XXXX ( XXXX ). I disputed the information on the XXXX XXXX XXXX report and had the item removed, because they could not verify it. I received a letter in the mail from XXXX ( XXXX XXXX XXXX ) stated that the information will be deleted from my credit report. So, after that happened, I waited about a week before I applied again for an account with NFCU ( Navy Federal Credit Union ). I applied on XXXX XXXX for an saving/checking account and re-email the documentation to the emails listed in this complaint. On XXXX XXXX, I called and spoke with a rep to check on the status of my application. The rep stated that my membership application was denied because I did not hypen my last name. Also, the rep stated that I had to do another application with the hypen last name. So, I did another application on the XXXX XXXX online with the hypen last name. Check on the status of my application again with NFCU and was told to take my documentation again to the NFCU branch office. So today I took my documentation to the XXXX, Georgia NFCU branch office, so that I would be able to open up the account. I was told by the female rep in the branch office that my account was denied again. I explain to her that I signed up for the XXXX XXXX to join the NFCU, which I paid {$25.00} to join so that I would be able to get an account with NFCU. The rep stated to me yes if I join the XXXX XXXX the application has to be done online ( which I did ) and now she is telling me that she have to do another application and I have to wait until 3-5 business days before I will get an response. She also stated that once I get an response then I will have to go back to the branch to bring documentation of my identification. This getting ridiculous and we are faxing or emailing our information over with our social security number and other personal information over and they are not looking at the information to give feedback to new members or customers that wants to become a member. I 'm very disappointed in NFCU, because I hear good things about their Navy Federal Credit Union. The only thing that I 'm trying to do is opening an saving and checking account. I just do n't understand why customers can not received an email stating that they application has been denied. I had to call about 6 times to try to get this situation solved and still is not solved. There should be a better way of NFCU to treat their customers.
I recently found out about the Wells Fargo lawsuit. Last year I was contacted by a collection agency XX/XX/XXXX saying I had a credit card through Wells Fargo, which I do n't ever recall opening, thinking my ex may have opened it, and being that I am trying to get my credit situation in order I paid off the debt. The debt collector was XXXX in XXXX, IL. They said the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I tried contacting Wells Fargo but they kept giving me the run around and telling me they did n't have that information I would have to contact the Debt collector. After I heard of the lawsuit and read the court file I needed to contact someone and try to see if this was one of those accounts and if I would qualify for some sort of reimbursement.
I filed a complaint already on this, this is unknown and I believe does n't belong to me, please help XXXX prior complaint The account shows as Aargon Agency XXXX
Previously, I filed a complaint XXXX against J P Morgan Chase for their improper entrance and stealing monies from my personal account. In their response to my CFPB complaint, they in turn wrote AND included a response letter to our Bankruptcy Attorney ( XXXX XXXX XXXX ). The XXXX XXXX XXXX, does NOT represent us in our Consumer Financial Protection Bureau filed complaint. J P Morgan Chase, violated my right to privacy by including response letter 's to an attorney that doesn't represent me in my filed complaint. Nor did we include the XXXX XXXX XXXX in our complaint as our representative ( s ). J P Morgan Chase, have violated our privacy rights by including the XXXX XXXX XXXX in our filed CFPB complaints. Moreover, in retaliation, J P Morgan Chase have began to continue their harassment by accumulating monies deposited into my account. Further, J P Morgan Chase in their response letter addressed to the XXXX XXXX dated XX/XX/2018 is full of lies. J P Morgan Chase, began stealing monies from my account beginning with {$2.00} that they have yet to return to my personal account. J P Morgan Chase, began stealing monies from my personal checking account in an attempt to collect monies from another customer. As of today, J P Morgan Chase have continued to DISCRIMINATE and HARASS me via my personal account by accumulating monies deposited to cover previously written checks and personal insurance premiums. This is formally called REPRISAL/RETALIATION for my previously filed CFPB complaints. ALL SUPPORTIVE EVIDENCE WILL BE SENT VIA FAX AND IS STRICTLY FOR THE USE OF THE CFPB NOT THE XXXX XXXX XXXX AND ANY OTHER ENTITY THAT CHASE DECIDES TO SEND THEIR RESPONSE LETTER 'S TO. THE END!