WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I was a victim of Identity theft. Someone hacked into my American Express account online and removed my bank account information and replaced it with their own. They then pretended to make a {$1500.00} payment on a {$0.00} balance account, knowing that it takes 2-3 days to process, and immediately requested a refund for the full amount from American Express. Amex sent them a {$1500.00} check straight into their bank account. The " payment '' that this person made came back as " non sufficient funds '' and the {$1500.00} that Amex sent him now became a {$1500.00} balance on my Amex account. I contacted Amex as soon as I saw this balance on a credit card that I haven't used in over 3 years. I called them immediately to tell them that this was not me trying to make this payment and the bank account that they sent a {$1500.00} check to was not my bank account. I told them to freeze everything so that this person doesn't have access, but they didn't do what they promised and on XX/XX/XXXX, this person made another " payment '' for {$1300.00} from another bank and immediately asked for a refund to be sent to him. American Express again sent him a check for {$1300.00} and again his payment turned out to be " non sufficient funds ''. After charging me interest fees, returned payment fees, and finance fees. My {$0.00} balance card that I haven't used in over 3 years, has a balance of {$3200.00}. I have called American Express at least once a week for the last 4 months trying to get this off my account and after being transferred from one department to another, and having to explain this nightmare to a different agent every time, for many hours a day ... they haven't done anything to help me. They've told me that they're opening an investigation each time and when I call back to see what the outcome is, they say that no investigation has been open yet. They guaranteed me that they were going to fix this and that my perfect credit score was not going to be ruined. It has now hit my credit score and dropped 64 points overnight due to this delinquent Amex account that they promised that they were going to return back to a {$0.00} balance. This has been a horrible nightmare and American Express has been completely noncompliant in any and all of my complaints. They sent this stranger money without even checking his identity or asking any security questions to make sure that this was me. They didn't notify me when there was suspicious activity on my account. I have still not heard from anyone from Amex regarding this issue.
Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.
I do not recognize the following inquiries in my credit report : 1 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 2 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 3 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 4 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 5 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 6 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 7 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX
My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.
This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others
My purpose was to buy two tickets to see a XXXX XXXX concert on XX/XX/2019, at XXXX XXXX. On Friday, XX/XX/XXXX I checked online to find a reasonably priced ticket around the original price of XXXX  dollars before the concert was sold out. Found a seller who was selling tickets for {$50.00} and messaged them. They replied later evening and said they were selling. As this was my first time doing a transaction like this I followed the person 's orders on how to send the money. I was skeptical of these prices and asked for the seat locations they had on their tickets to see if they were even available on sites on like XXXX  XXXX  that were reselling. They responded with seat locations that were sold so I thought the seller was real. I followed her orders to use " family and friends '' instead of " goods and services '' because they told me it was faster. I sent 100 dollars through paypal along with a {$35.00} dollar transaction fee because of the " friends and family '' service. When I sent out the money they kept replying they haven't received the payment yet and told me use an app called XXXX XXXX. I didn't know what app it was but I still downloaded it. I assumed from the high rating on the app store that it was a safe app. I sent them XXXX  dollars through this app and they said they still didn't recieve the payment. Because I had lost XXXX  dollars already I didn't want to send anymore money. I told them to send me the tickets. They responded by saying that they haven't recieved payment and would not send them. I told them to refund me and they said no because then they were afraid I wouldn't buy the tickets anymore. The text conversation lasted till XX/XX/XXXX at XXXX XXXX pst. I tried calling them through XXXX, they would pick up and then hang up again. When I told them I would call again the next day after I slept they never responded and deleted their account from XXXX the next day so I wasn't able to reach them. I found from the payment on Paypal that there was an email and email them. I emailed the person and the respondant said the person was unavailable. Apparently they are not connected but this connection is also sketchy because it was the account where I sent the money to. I called the customer line on Paypal later to get some help and they said that because I used the Friends and family service that they couldn't do anything besides emailing the same person.
Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. 

Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. 

Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. 

Hence I need all closing costs refunded.
XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
I have been paying my auto loan for over two years and have actually overpaid each month, sometimes paying more than twice the minimum amount. Out of nowhere four months ago I was contacted claiming that for two and a half years, without notice my due date was earlier in the month and despite overpaying I had accrued years of late fees. I was assured that the late fees would be cleared and the due date changed. A month later after " solving '' the problem I was called over ten times in one day for the same issue. Another month later after " solving '' the problem again I was called over ten times in one day and had to " solve '' the problem again. This harassment has gone on now for four months. I have sent them a cease and desist notice and advised that if the harassment continues, I would be seeking legal action.
Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.
I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME.
My ex husband filed for Chapter XXXX bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. Since then my mortgage company hasn't been reporting on my credit report ( I did not file Chapter XXXX bankruptcy ). This has prevented me from obtaining loans and credit cards due to insufficient credit history. 
When I called Select Portfolio Servicing on XX/XX/XXXX, I was advised that they had every right to prevent reporting on my credit because the debt it joint and that I would need to put my request in writing along with detailing that I didn't file bankruptcy because they still have the account in bankruptcy status on their system. 
I did research and found that not only are they wrong, but they have done significant damage by not adhering to the Fair Credit Reporting Act and the Consumer Credit Protection Act, which states credit it individual and my ex-spouse 's bankruptcy should have never effected reporting on my credit reports. 
I deeply concerned that this is their policy and not only have they caused me harm, but could be causing harm to other spouses that were not included in bankruptcy filings.
The account below is not mines. By law I have a right to dispute a debt after receiving notice of debt. I have never received notice from this company. They have broke the FTC guidelines for reporting debts.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX
My mortgage was recently sold to XXXX. This will only be my XXXX payment to them of both of which have been on time based on the policy at the time. Now they are charging fees for what they consider " past the due date ''. Mine is " due '' on the XXXX. They start charging fees starting on the XXXX and they get higher the more the days go by. I am not disputing that a late charge could be due, but there are several issue. When my first statement came out, the " late date '' was considered to be the XXXX. One, I was never notified in writing on the change and certainly did n't agree to it. Two, I have never been late on it, so I do n't see how they have the right to change their policy. This is nothing but a money grab from a greedy company penalizing responsible borrowers. Please address this issue. Thank you.
The accounts XXXX XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers me
I am being sued by a company called CollectionCenter out of Wyoming. When I try to call them to discuss and see what can be done, as we already paid the bill through insurance, they never answer the phone. 

I leave messages day after day. The voice recording asking to leave a message states someone will call back within 24 hours, but this never happens. 

This is unethical and is not right as I am trying to make an effort to communicate but no one wants to call back. If you cant call me back, how am I supposed to figure all this out and get it handled.
on XX/XX/2018 XXXX XXXX  remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
I contacted Experian asking for accounts to be verified per FCRA Section 609 ( a ) ( 1 ) ( A ) Provide Physical Verification Creditor of the following accounts : Public Record # XXXX ( Not my account or public record ) XXXX  # XXXX ( Account was paid like previous account with this creditor ) XXXX XXXX XXXX XXXX # XXXX ( account was never late ) XXXX # XXXX  ( account was paid in full and never late like previous account with this creditor ) XXXX XXXX  # XXXX ( account was transferred to new creditor and paid in full ) Experian has to provided me the documents I required which is required by law.

I also have returned mail from inquiries on my report which were returned due to incorrect address and when contacted Experian to delete because Ii didn't authorize these inquires and the information they are providing ( the address of the creditor is incorrect ) they refused my copies of returned letters The following Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My mortgage payment went up {$44.00} a month, called carrington mortgage. They explained that by law they have to have a cushion in my escrow account.. My mortgage was sold to them from XXXX XXXX XXXX, which on some months I was able to pay extra on my mortgage principal
On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.
I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.