WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm complaining against this company for many reasons : # 1 I received documents after my FIRST dispute stating that they will no longer investigate any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no udpates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney *I 've included my dispute letters, credit report, identification
I was listed as a victim of the XXXX Equifax data security breach in which my personal identity information was made public and stolen.
XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.
Barclaycard contacted me in XX/XX/XXXX and asked if the charges on my account were authorized by me and I said no they were n't. They issued me a new cards and said that they would credit my account the {$210.00} that was unauthorized. I have contacted them on five separate occasions and they still have not credited back my credit card nor have they sent me any correspondence
I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.
you said that you need moor information on cassXXXX I called the number you put down to call I did and the man said ok that will be fin then hung up the number was XXXX if there is any thing moor all I can say is that chase said to stop paying them then would not work with us and XXXX XXXX XXXX  WONTED MOOR MONEY THEN WE COULD PAY and they would not work with us you can send them all the complaint 's you wont and all they will do is lie about it just like they have ben doing all a long
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX   and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.
XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this.
My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!
On XXXX of XX/XX/2018, I tried to transfer XXXX USD and XXXX USD to my brother, who lives in XXXX, to pay the medical bills of my mother. It was an urgent situation so I chose to send the money with XXXX XXXX ( www.transferwise.com ) Unfortunately, as soon as they received the money from my checking account, they deactivated my account. I have been trying to reach them and learn why they deactivated my account, why they did not transfer the money to my brother, why they have been holding my money instead of refunding it back to my checking account. To date, I have not got an answer. I have repeatedly called the customer service about the situation but all they have said to me is " we don't know ''. They don't give me a meaningful answer and they hang up the phone to my face. 

Currently, I don't have enough money to pay the medical bills of my mother. I need that money as soon as possible. They are refusing to answer me. They are refusing to refund my money. 

It is their job to transfer my money. If they are unable to transfer it, they should tell me the REASON and REFUND my money as soon as possible. 

I trusted them but they have been holding my money and not giving an answer and reason why they don't refund it back to my checking account. 

I need that money to pay the medical bill of my mother. I am a poor guy. I withdrew a loan from my 401K retirement account to pay the medical bill of my mother. 

What I have been through during the last week is unbelievable.
I recently received a copy of my credit report and found that nationwide acceptance account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX balance however after several disputes the information has not been updated
The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,
After receiving a decent sized tax refund via direct deposit, I attempted to withdraw {$1000.00} to purchase an old car. The ATM declined the transaction due to a daily withdraw limit, so I called the bank 's hotline and asked if they could please let me have my money. They refused. I spoke to a supervisor, who also refused to let me have my money, and then lied and said I could get a cash-back transaction to get around the limit. I tried this solution, and it didn't work. 
I was finally able to get the cash out by very helpful staff at the local XXXX who used a few tricks to make a money order drawn off the debit card. 

The next week, the same thing happened again - and once again, they refused to allow me to access the cash via ATM. I went into the branch and asked them what on earth was going on. They gave me the cash at the teller window, and then told me that they weren't going to allow me to withdraw more than {$300.00} a day at the ATM no matter what my account balance was because of too many overdrafts the previous year. I'm not talking about allowing a cash withdraw when there is no money in the account, that's ridiculous. In this case, I had several thousand dollars in the account and the bank would not let me take out more than {$300.00}. This ISNT a credit card, it's my money, in my bank account. Wells Fargo NA is refusing to allow me to access my own money.

Note that I don't routinely withdraw {$1000.00} from my account multiple times in one year, this was a rare circumstance where we were helping two family  members purchase cars so they could get to work and we also had to put a down payment on a larger car for our own family because it was growing at the time.
A request was sent to Nationstar XXXX 2015 for a partial release for my account ending in XXXX, which included a {$250.00} refundable partial release request fee. There was additional documents requested by Nationstar for me to submit which was not submitted in a timely fashion. However, at no point in time did Nationstar provide a denial letter for the partial release request nor did they send us the {$250.00} cashiers check submitted with the request.
My Mortgage discharged in bankruptcy in NY and after that was discharged BSI Financial obtained the mortgage from XXXX and then began attempting to collect on the mortgage from me. I went through a Deed in Lieu with BSI so it they could register the deed in XXXX NY, which they did in XX/XX/2016. BSI is falsely reporting the mortgage as defaulted with a balance due in my name to the credit agencies. I have contacted them numerous times to have this reporting corrected, however they still have not done so.
I have written numerous times regarding my issue with JP Morgan Chase. I am writing again to let you know thag I am still NOT satisfied and they have done absolutely nothing to help resolve the issue. While they have already moved forward and sold the property I have written about and reported to every organization possible I want some sort of resolution. While we have tried for what turned out to be several years to get a simple loan modification on our home they continously asked for the same documents over and over again when I sent them as soon as they were requested, the law firm that was trying to help me get the modified at ion sent them as well. They claim that I did not send them in a timely manner and they also basically accuse me of lying when I told them that a representative of JP Morgan Chase would not accept a temporary payment when I called to make XXXX after doing it for several months. I gave them all of the information of who I spoke with and the number I called and everything. 
AGAIN, I AM NOT SATISFIED WITH THE FACT THAT THEY WILL NOT DO ANYTHING TO RESOLVE THIS MATTER. THEY SCREWED UP AND THEY KNOW IT BUT WILL NOT INVESTIGATE IT WITH THE INFORMATION THAT I HAVE PROVIDED TO THEM. 
I will not stop writing and reporting this to anyone and everyone that I can. It is not right that they can just XXXX over their so called customers like they did us.
I have repeatedly requested information/validation on this debt bearing my signature and have not received anything starting that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of this debt and do not allow me to dispute their claim. I have never done business with Macys, never signed a contract, nor do I owe them any money.
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.
I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.
In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.
On several occasions I contacted Navient regarding my payment being too high. I am a XXXX XXXX XXXX and they told me O do not qualify for loan forgiveness although I met all criteria. I asked for a lower payment and they quoted me a payment that was the same as my current payment. I am not making payments right now but they insisted I take a forbearance.
XXXX is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
Around XXXX XXXX XXXX XXXX di a hard request of my credit from Equifax. Since XX/XX/XXXX, there should have been freeze or alert put on my account, that day I founded out I was victim of identity theft and called all credit bureaus to freeze and lock my credit. Same day I filled police report also. XXXX XXXX was never authorized by me to access my credit report because I am happy XXXX XXXX customer and still have a about year left on my contract. This was unauthorized access by XXXX XXXX. The file could only been access with phone verification. None was done. Both companies failed its customers.
I have been demanding to see verifiable proff ( an original consumer contract with my signature on it ) with it for MONTHS with the paperwork for XXXX card that shows up on my credit report. They have not provided physical verification of the original signed consumer contact. I have sent them several letters- certified, not certified, and also went to a notary public on some of my paperwork. I keep on getting this letter back from them!
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and  and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I  received a letter from the United States Bankruptcy Court stating  that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. I would like to have the judgement removed  immediately   to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BMW FINANCIAL SERVICES on XX/XX/2016 which l have no idea about it at all.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Express bank of several accounts established with his information without his consent. A police report detailing this event was filed concerning this and was sent to American Express XX/XX/2018 however as of this date American Express has failed to send a reply concerning the outcome of the dispute results. The fraudulent accounts established are ( last four acct numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). American Express has an obligation under FCRA to provide my client with status of this investigation within 45 business days, maximum.
I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.
I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.
JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.
XXXX XXXX I requested to close account in XX/XX/XXXX to the district manager. Still open with late history now reported. 

XXXX 2015, I requested to close my comenity credit line.The account showed closed by consumer and then reported open and late history has been added to the closed account that shows open. 
I am attaching my bureau with this complaint. I also have highlighted illegal credit inquiries on my report to date. I never authorized for these companies to pull my credit and never disclosed my personal Social Security number and place of employment. Whoever sent this information to these companies, has given my information without my consent and or knowledge. 
XXXX XXXX regional manager has called all of my personal references on my application more than 10 times and released private information about my account prior to me asking for the account to be closed. They to date still call.
VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.
I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.