WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I successfully placed a security freeze on my XXXX and XXXX  accounts. After 3 attempts I froze my Experian account ( XXXX XXXX, XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
I am a victim of identity theft, i have reported to the police, I have items on my Experian and XXXX  reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B, my identification, social security number, and address proof, however these companies Experian and XXXX refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH XXXX AND EXPERIAN REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY EXPERIAN AND XXXX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.
I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. 

I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. 

This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.
As of XX/XX/XXXX pnc stop sending the monthly account statements on my second mortgage equity line of credit. I have made numerous phone call to pnc in regards to the problem. They have no answers only that they are not sending out statements to people that have filled bankrupt. I had to file bankrupt 10 ten years ago the great recession that they had alot to do with. The loan agreement stated they would send out monthly statements. I fell this is some kind of game pnc is playing to cause me problem with my second mortgage account. I have made payments on time for the life of the mortgage loan taken out in XXXX. I have attached the only information i can get and have received from pnc regarding this problem.
On XX/XX/2018 my employer made a real-time transfer through XXXX of {$600.00} into my personal checking account at XXXX XXXX. XXXX XXXX did not credit the deposit until the next day ( XX/XX/2018 ). It caused my account to be overdrawn and checks returned unpaid. They charged me {$72.00} in overdraft fees. Their response was that any deposits made after XXXX XXXX would not be honored until the next day ... .even cash. This is outrageous! The transfer is in REAL-TIME as if it were cash. This is fraud!
On XX/XX/XXXX, I received a notification on my mobile device regarding unauthorized charges ( total amount of {$1000.00} ) made against my checking account with Chase Bank. Immediately, I contacted that institution concerning the fraudulent transactions whereas Chase Bank took the following actions : 1. Cancelled my Chase ATM debit card 2. Reissued me a new Chase ATM debit card 3. Reversed the unauthorized charges. 

Subsequently, on XX/XX/XXXX, the unauthorized charges were reinstated on my checking account. After numerous discussions with representatives from Chase 's claims department, including my numerous requests for their investigation procedures pertaining to my account, and any evidence regarding the unauthorized transactions, I was told they concluded the transactions were my responsibility and are in the belief that I had conducted them. I find this preposterous. Under Regulation E of the Federal Banking Code, I am warranted consumer protections against fraudulent activity committed against my bank accounts.

Chase Bank is alleging the transactions are mine. How can this be when the fraudulent activity occurred in XXXX California while I was in XXXX XXXX? The criminal acts began at XXXX XXXX  with the final occurrence at XXXX XXXX. I had last used my Chase debit card that same day at XXXX XXXX. So what Chase alleges, is that I purchased multiple items in XXXX XXXX and somehow made it to the XXXX XXXX XX/XX/XXXX store in a little over two hours. That is logistically impossible. However, Chase refuses to listen to logic and insists I am the person who made the unauthorized charges. I will reiterate, they have not released, to me, any information regarding their investigation into this matter, nor have they provided any evidence as to committed the unauthorized transactions. I strongly suspect, Chase Bank did not perform its due diligence investigating this matter, and figured their path of least resistance is to blame the customer as opposed to making a good faith effort in discovering the truth.
I have 3 loans with Navient totaling XXXX originally. I have been denied consolidation several times. I am now adding up what Ive paid over the years and it adds up to just over XXXX dollars with still barely a dent in the principal amounts. This seems criminal to me, and I cant get any answers.
ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION ACC # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL XXXX
This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. 

I pay all my bills on time. I have never been late on any bills since I became a single mom. 

I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. 
Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.
I have contacted Experian so many times via phone online, and via first class mailings on many many occasions in regards to 2 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Experian more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.This account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX XXXX with a balance of {$490.00} and XXXX XXXX XXXX with a balance of {$600.00}
In XX/XX/2016, I started working with CITIMortgage for a " loan modification '', this comes after the interest only loan ballooned and payments tripled and am behind behind. Because I can not make the larger payments and the threat of foreclosure, I felt I needed legal help with Foreclosure Defense & Mortgage Mitigation help. XXXX XXXX XXXX cohearsed me into giving them a {$1100.00} retainer and $ XXXX/mo. fee. Was told they would take care of everything and it would take 3-4 months. Promised weekly updates, never called except to see if payment was available, I have since stopped payments, this firm 's address is in VA, but calls come from D.C.. I did not know of Minnesota Law prohibits this kind of activity and I find it unconscionable for Big Banks and Mortgage Litigation scammers to string along homeowners far beyond their abilities to fight and keep their homes.
I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per XXXX XXXX.
I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.
I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.
I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
I am trying to dispute wrong information on my transunion credit report. I went online submitted all the information and received a message they can not access my report. I was given a phone number to call XXXX. I tried to call this number ... .was told my credit file is in another department. I was transfered to the next department and they told me they need to transfrer me to another department. I have been transferred 4 times then I finally told the rep that they keep transferring me and I need to dispute an account " XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX '' that DO NOT belong on my credit report. These 2 items were to be deleted over 5 months ago. I was told they need to transfer me again. I am submitting this complaint because I can't dispute with transunion this wrong information.
Equifax has XXXX hard inquiries on my credit report, when XXXX has XXXX and XXXX has XXXX. Some of the XXXX inquiries are from companies I never approved of and others are from companies I 've never even heard of. When I reported the inaccuracies, it took them less than a day to tell me that I can contact the creditor because they report anything they 're told. I 'm not sure how they expect me to contact companies I 've never heard of, hand them my personal information and hope they admit their mistakes and fix it. I am a victim of identity theft affected by the XXXX, XXXX and XXXX cyber attacks. At best someone stole my identity, but I do not believe this is the case, I believe equifax is trolling for false negative information as they have in the past and it was proven in court. The fraudulent inquiries are : XXXX inquires from XXXX XXXX XXXX ; this is my bank for my checking account but I never authorized any credit inquiries. XXXX inquiries from XXXX ; I 've never heard of them let alone authorize a check. XXXX inquiries from XXXX bank ; never authorized. XXXX XXXX inquiry ; never authorized. XXXX XXXX inquiry ; never authorized. This totals up to XXXX false inquiries and only XXXX correct ones. These fraudulent activities need to be taken off my report and I should not have to contact individual companies myself. It is equifax 's responsibility to verify the accuracy of the information they report before allowing it to damage my credit and reputation.
The dates go back months - normally receiving calls that have a caller ID stating " XXXX '' with a phone number of XXXX. They usually do not leave any messages. The second number I listed is the phone line for my computer modem. One day I grew frustrated at the number of repeat calls and answered the modem phone - and they were asking for my Sister, who lives 300 miles away, outside of XXXX. We had not lived in the same house since we were children, nearly 40 years ago. I hung up on them. They then called my house phone, I answered and they admitted they were calling EVERY household in the State of Texas with our last name, even thought they CONFIRMED they had my Sister 's correct address and phone, and that they DID have a way to contact her, but they were seeking ways to harass any FAMILY members to get her to call. I did contact my Sister, and she contacted them. She found out it was about a disputed charge she had already RESOLVED with her local bank MANY months previous.

The calls have continued to MY home 300 miles away - but today they left a message, speaking to my answering machine addressing my SISTER as though MY phone was HERS.

I will be notifying her - but will you please contact the bill collector ( who is probably still calling all people with our last name around the state of Texas, as well ) and stop them? I already told them to stop calling back in XX/XX/XXXX.

The collection agent that is in violation who called today is " Specialist Right '' at ( XXXX  ) XXXX extension XXXX. I will be letting my Sister know so she can re-contact her bank yet again - but I do not have this company 's address so I could write them under the Fair Debt Collection Protection act and require they no longer contact ME. Please help.