WillisBack/dataset-financial-user-claim huggingface dataset:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX CREDIT REPORTING AGENCY THEN TO MY SURPRISE XXXX HAD REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS
XXXX XXXX XXXX.,  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, sent me a collection letter ( ref. Client Acct. # XXXX ) for a debt I did not owe. Further, XXXX sent this letter to my new address indicating it fraudulently accessed my credit information without authorization. It also used my personal information to acquire my contact number and send me harrassing phone calls.
I have been a victim of Transunion 's Inquiry Issue. After contacting customer service, they were not able to remove the inquiries. The inquiries that need to be removed are the ones from XXXX & XXXX
On XX/XX/XXXX i sent {$100.00} from my XXXX XXXX wallet to my coinbase bitcoin cash wallet. The money was deducted from my XXXX wallet, it never showed up in my coinbase  wallet.
Midland filed a civil complaint in court. Per arbitration agreement in the credit card agreement, I am entitled to private contractual arbitration. I elected arbitration timely : I sent a letter electing arbitration to the attorney ; I also filed a motion to stay pending arbitration. XXXX XXXX XXXX ( XXXX ) is the former specified in the arbitration agreement. I then filed with XXXX a demand for arbitration. However, Midland refuse to arbitrate by no complying with XXXX 's request to adhere to the policy regarding consumer claims. In all, my complaint is that Midland is suing me ( consumer ) for contracts with arbitration terms but refuse to arbitrate.
I paid off the first mortgage loan on XXXX/XXXX/16 to US Bank Home Mortgage. I am owed escrow actual funds in the amount of {$1500.00}. I have contacted the bank on several occasions without any success. The staff states that a check was sent to us and it was returned to them as undeliverable. We did not received a check. Then the staff states that they need approval from XXXX to reissue another check. To date, he has not responded to his staff emails.
My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.
This is not a duplicate. Each applicable CRA must receive this dispute. 

In XX/XX/XXXX I disovered a judgement on my Equifax credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the data furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check sent to me by the State of California Treasurer as well as a printout of my total tax liability and refund for the XXXX tax year relevant to item # XXXX listed as a judgement on my credit report. 
Upon processing of the facts, the Data Furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the tax lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Equifax credit report that states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Equifax has refused to correct and update this item and I have had received uwarranted scrutiny and unfavorable decisions from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.
I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.
Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
Many agencies that pull my criminal background are not receiving the correction information on my record. I have found this since I was release from the XXXX XXXX in 2009 from XXXX XXXX. I have experienced the inaccurate reporting from many employers, rental properties, and financial services. I am currently working on stabilizing myself with a job, shelter, and food. I found that they report that I have felony charges and convictions. I only ask that the agencies receive the right information to further the chances of change for revitalization in society.
Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands.
I contacted Experian to have the credit freeze removed from account. I was asked how long I would like it to last and I responded 7 days. The information was confirmed and then I was told that it would cost {$5.00} to complete the transaction. I asked if removing the freeze again would result in another {$5.00} charge and was told yes. I told the rep that I did not wish to reinitiate the freeze and it could be lifted permanently if a fee were involved. The rep told me it was too late and that he had already processed the refreeze. I told him you did not tell me there would be a fee to handle the transaction prior to questioning if I wanted to reinitiate a freeze. The rep said I did n't know if I could lift it until I already did it. I advised that I would be contacting the CFPB to file a complaint and asked to speak to a manager. He advised no manager available. Lifting this freeze on my credit will now cost me a total of {$10.00} of which I was not made aware prior to the processing of the order.
In XX/XX/XXXX, I took out an auto loan with XXXX XXXX ( online ). I asked to borrow in addition the amount of the sales tax. The lending agent incorrectly computed the sales tax amount and sent a check for {$1000.00} to the Colorado Department of Revenue. When I went to register the vehicle, I was told the amount was incorrect because Chase had calculated city sales tax and I live in an unincorporated county and don't pay sales tax. 
On XX/XX/XXXX the Department of Motor Vehicles returned the check to Chase with directive to send {$560.00} to cover sales tax and to credit or refund the customer the balance of {$470.00}. I have been asking since XX/XX/XXXX when I learned of the discrepancy how my account would be credited. 
Initially I was told it would take 2 - 4 weeks and would show up as a credit on my loan. I have sent 14 messages to Chase online, and called them over 12 times and no one can seem to take care of this.

I know the letter from the DMV is on file with Chase as one of the employees found it and told me Chase received the check and letter and returned the correct check in the amount of {$560.00} to the DMV on XX/XX/XXXX. It is XX/XX/XXXX, and now i have a message from them saying they will no longer contact me. I've called the XXXX XXXX at XXXX today ( XX/XX/XXXX ) and was told my " agent '' XXXX was busy and would call me back. That is their standard answer. 
I am on my 3rd deadline they set for themselves to resolve this. The first was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. They never tell me they moved the deadline - I have to call and ask. 
I feel they not only need to refund the overage loaned amount to me but also refund interest charged on that amount from the inception of the loan. This amount was based on their calculation, not mine. 
Can you please help me? It's hard to believe a bank can not subtract {$560.00} from {$1000.00} and see they have never credited my loan amount or sent a refund.
XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.
I deposited a check for {$930.00} into my bank account on Thursday XX/XX/2018 and usaa put a 3 to 5 business day hold on it. I really needed the rest of that money this weekend because its XXXX XXXX and its my anniversary weekend. I tried talking to them but it did no good. I am very upset. I told them I am going to file a complaint with the cfpb and am switching banks. I do not know any bank that does a business hold for 3 to 5 days because its a paper check. The lady I talked to tried to get an exemption but it got declined because I had an automatic bill coming out but had insufficient funds due to something else that came out that I wasn't aware of before the automatic bill came out. Ok so in that case I didn't have any insufficient funds because I deposited that check for {$930.00}. I was very angry with usaa for this. Thanks usaa for ruining everything that we had planned this weekend with my family.
THIS ACCOUNT at XXXX XXXX XXXX and this Loan was fraudulent. XXXX  and XXXX removed the account but Experian refuses. I have FTC Fraud Report and Police Report. Plus I have asked XXXX  to produce proof of loan and they can or will not.

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you  do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). 
I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files EXPERIAN STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed.
On Saturday XX/XX/2018, I received post card stating XXXX, Equifax and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.
We sign up for a free 30 trial service with XXXX. We do n't like it so we cancel within the prescribed period. XXXX sends monthly charges to my credit card anyway. 

XXXX says they wo n't talk to me because I ca n't recite the E-mail address I used to create the account. Although I can recite everything else ( cc #, Address, etc. ). The credit card company says there is nothing they can do because I have a legal agreement with XXXX. 

So, now I wonder what you guys have been doing for the past decade? I ca n't be the first with this problem. My complaint is against YOU. YOU have done nothing to protect consumers against these corporate giants?
This is in regards to my previous complaint with Santander. I received a letter today from them stating that my claim was denied due to inconsistencies. They conveniently left out what these inconsistencies are. Im not certain they even investigated my claim. Now, the letter I received stated the transactions as taking place on XX/XX/XXXX. In my claim, I stated XX/XX/XXXX, which is what is on their banking website. Maybe this is the transaction date versus the posting date? I dont know. What I do know is the last time I used my card was at XXXX for {$52.00}. Every card transaction after this is fraudulent. Again, these transactions are ...

XXXX for {$17.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$800.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$180.00} posted on XX/XX/XXXX, according to the banking website.
They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.
I am a XXXX with the XXXX XXXX and currently have a home loan with Wells Fargo Mortgage that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and XXXX against the late payments displayed on my account with Wells Fargo. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from Wells Fargo, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to Wells Fargo Financial at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the Wells Fargo fake account scandal. <P/>I have been in law enforcement for 15 years and in my a career in law enforcement honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.
This is in response to the complaint I filed : XXXX about Capital One. Capital One has frozen my bank account and I have no access to my money. I haven't eaten in five days as a result. I am about to die of starvation. By the time Capital One clears up this case I will probably be dead.
I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and Transunion but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
I submitted an online credit application today 's date XXXX/XXXX/2016 to Chase Slate Bank for a new credit card. The primary reason I did so was because they were offering an option to transfer a balance from another lender with a higher interest card with zero percent interest for 15 months. As a part of the application I had to give them the other lenders account number and amount I wished to transfer ( in my case over {$4000.00}. ) even though I entered this amount in their application, when I submitted ( and got approval ) for the card, they gave me a {$1000.00} limit and made no mention of the transfer request. When I called them at their customer service number they said that the transfer limit maximum was {$1000.00} at most. I told them I never would have applied if the online application had indicated that. The CSR apologized and asked if I had any other questions. I told him I felt the online application was used as a tool to lure new card members and that I never would have applied if they had indicated the maximum transfer amount. Website I applied at was XXXX The representative I spoke to indicated on the phone that the balance transfer information I entered was NOT used as part of the application submission which I feel was a misrepresentation on their part.