WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : 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, U.S. Department of Education and XXXX.
I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office.
A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day.
I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my credit.
When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays.
All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.
On X/XX/2017 I discovered a negative credit item and account number from Commonwealth Financial had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan
Received a phone call on or around  XXXX   XXXX  , 2017 fro  m TSC Associa  XXXX  claiming to have legal documents that were just attempted to be delivered. I told them I was minutes from home and if the driver was still in the area, to have him return so that I could sign for them. They declined that option and told me about a phone number I had to call to proceed with scheduling the delivery. I looked this up online to check if it was a scam and found that to be true and did not pursue further. Two weeks later, I received another call and told the caller that I was actually home and that no delivery attempt was made. I then told him I knew what was going on and to stop calling. Today,  X/X/2017   , I received another call from  XXXX  and did not answer, but a voicemail was left stating that I had  XXXX  hours to respond or that they would assume I acknowledge the information was accurate and they would deliver the documents. My mother, father, brother-in-law, and sister were all called in succession from this company and they claimed I listed each of them as an emergency contact in pursuit of finding out my information. This was also false. I do not know how they obtained my information and my families information.
Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.
XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.
I was sent two letters from XXXX regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. XXXX XXXX  sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with XXXX and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at XXXX XXXX  stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with Transunion and they replied that XXXX said it is indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from XXXX stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.
On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?
I had HARD INQUIRIES on my credit report from SYNCB which isnt valid. Ive been given the run around in regards to getting these removed. No one has taken ownership! Someone has been trying to get credit in my name. I was told via research online that people are running Care Credit scams online via XXXX, XXXX, and XXXX. 

These are the dates that my credit was run for HARD INQUIRIES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX
I opened an account with XXXX There was a third party credit check applied 6 months into my agreement that was sent through mail to inform me of identity theft though XXXX use of my information
I made a debt purchase at XXXX. I decided to return the purchase but did not have my debt card I used to pay for it. They informed me as long as I used a debit card the refund should go through fine. Netspend reporded the return as fraud. I emailed them the receipt I had as proof it was a transaction I did yet they claim to be unable to release my money. Their claim is that my only option is for the store to certify the return and the netspend will send them funds ( reverse return ). Store claims this is not an available option once the merchandise has been returned. I have been going back and forth with Netspend for a year now to close my account completely. I have run out of options and patience.
I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.
Received a call from XXXX stating that they have a warrant for my arrest for a loan that I defaulted on back in 2013. The caller stated that in order to resolve this matter I can speak with the third party company and try to resolve the issue. I received the # XXXX and spoke with XXXX XXXX, at Alternative Dispute Resolution. She informed me that I owed {$1300.00} to XXXX XXXX XXXX XXXX and they want it in full. I informed them that I did not have that type of money to pay in full nor do I recall taking a loan out with this company. She then placed me on hold for 10 min. Returned to the phone to inform me that she can accept XXXX payments. I was then transferred to XXXX in payment processing. XXXX informed me that the only payment that would be accepted was XXXX and bank to bank transfer. the XXXX info that was given was XXXX XXXX XXXX XXXX, NY XXXX. Ref # XXXX my acct # was XXXX. This is the second call that I received from this company. I made the mistake of sending them {$750.00} via money gram before. This is why I am making everyone aware of this company. They refused to give me the company 's telephone number and stated that I can just see them in court.
I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. 
Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. 
I would like an formal apology from Wells Fargo and she should be disciplined by management.
This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.
Central Credit Services just started appearing on my credit report from one day to the next. I never received a notice with the right to dispute. Because I have been a victim of True Name Identity Theft, I called Central Credit Services to dispute the item appearing on my credit report. I was on hold for 20 minutes before they were able to find an account that they claim is mine. They did not have the correct address, nor do I owe any money to any company they claim I owe money to. 

The agent said on the phone that he would send me an itemized bill to show this is my account, as I told him this is not my account or bill and sending it would n't be sufficient proof that this account is mine. Furthermore, they have the incorrect address.
Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.
Last month ( before XX/XX/18 ) I tried to pay off a student loan I had with XXXX XXXX. After getting on the website and seeing that I had no student loans available I called their customer service department. I was told that the loan was transferred to XXXX  XXXX  XXXX and that I needed to pay it off with them. I called XXXX  XXXX XXXX on the same day and was told that it was not available in their system yet. I checked my account again today ( XX/XX/18 ) and it is still not available. During this time I am still accruing interest and I am wanting to pay the loan off. I was told it would take 10 business days. It has been 14 business days and my loan information is still unavailable. After checking the XXXX  XXXX XXXX website for complaints, I have read about people waiting up to four months for their loan to post to the website. This is unacceptable.
At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.
XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history of payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listedbelow. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this  report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
XXXX states Equifax changed my report and then reverted it back intentionally. They are harassing me and ruining my credit and blaming others.
I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Opened core checking account on XX/XX/XXXX with an offer for {$300.00} new account bonus. The requirements to receive this bonus was to have direct deposits totaling {$4000.00} within 90 days of account opening. This requirement was met on XX/XX/XXXX, with direct deposits from my employer. The terms for the bank was to credit the bonus within 60 days of meeting the requirements. It is approaching 120 days and this bonus has not been credited.
I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.