WillisBack/dataset-financial-user-claim huggingface dataset:
I Received my credit report showing a inquiry from CHASE CARD on XX/XX/18 that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
They have been breached and the personal information of over 100 million people is out in the open and they need to take FULL responsibility for this.
I ran into an issue with Navient a number of times over the years. I wish back then when I initially got the loans that I was educated on what the loans entailed, interest rates, re-payment plans, forbearance etc. As a young college student, I was not aware that my interest rates were variable - up to 10 % on one loan, and I would be harassed up to 15 calls per day to make payments if I could afford it or not. I went through a full scale of my bills and current salary and now they want pay stubs from me and my co signer. They told me what my disposable income was, it was XXXX to be exact. Do they understand through a full month where the rest of that can do to survive? They do n't, they just want their money. Because I was unemployed briefly I am trying to get a second job just to pay other bills as well. I feel the loans were predatory to the uneducated - there was little care about educating the masses taking out private loans.
Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to early warning services, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by early warning services.
I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with BB & T from XXXX XXXX & XXXX XXXX XXXX within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with XXXX XXXX XXXX Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!! 
Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX BANK!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, BB & T as well as XXXX XXXX XXXX. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!! 

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS! 

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score
Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you
On XXXX17 I opened a checking and savings account with the bank. At time of setting up the acct there was a promo entered XXXX, which had terms that 2 direct deposits must be received and then {$400.00} would be given to consumer in the form of a deposit within 90 days of 2nd transfer. I called the bank last week to advise that my the {$400.00} for setting up the acct with direct deposit was never received and I followed the terms and still have an ongoing direct deposit coming from my employer. The rep advised me that it is because I am transferring the funds from XXXX XXXX XXXX. I explained to him that he was incorrect and XXXX XXXX XXXX is my employer so the direct deposits will say XXXX XXXX XXXX The gentleman apologized and then explained that the promo was updated a few weeks after I set up the account to be for targeted cities only. I informed him that I believed that it is bad business to do the bait and switch. He apologized for the inconvenience and agreed.
I followed a series of links ( that I verified were legitimate ) and applied for a credit card ( XXXX XXXX XXXX XXXX ) that would give XXXX bonus miles for my XXXX XXXX XXXX account ( if spending {$3000.00} ) within 3 months on XX/XX/XXXX. I did this but did not receive the bonus miles. 

In XX/XX/XXXX, after I felt I had waited long enough for the bonus to be applied, I contacted the company ( Chase Bank ) through the secure message center on their website. 

I was first told that we are sorry, you were not eligible for the bonus. I sent a detailed reply with screenshots that I had taken of the links I had followed and the credit card terms upon sign up ( they are attached to this complaint as well ). I received another reply simply saying again that I was " not eligible. '' I sent an additional reply message ( again ) asking for an explanation why I was not eligible. 

I then received a reply that did not say anything about eligibility, instead the reply said we are sorry but we can only handle these matters within the three months on signing up ( in other words, the time has passed for us to help you ). 

To me, it seems obvious that the company was first avoiding the issue by saying I was not eligible. When I demanded an explanation they then tried a different excuse about timelines ( by the way, this timeline is not mentioned in the card terms at all ). 

This seems to be a clear violation of the CARD Act. Additionally, if the promotional terms ( as stated in the attached material ) were not true, this would be deemed deceptive advertising under FTC guidelines. 

Of note : Ironically, the above messages that I described were sent through the company 's " secure message center, '' they have now been deleted automatically by the banking company. This is my fault as I am used to things like email and messages never being deleted ( I should have saved them to my computer ), but it again is just another strike against the company. Why would they be deleting secured communication? This is unfortunately the reason I can not attach the actual messages exchanged with the company.
I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
I was unknowingly charged and excessive amount of interest for a installment loan of 391.93 %. The company was not willing to help me and tried to take unauthorized money from my account under a different name. I was never sent the loan documents to sign, just a i agree button with no interest information included. I was never provided the loan documents until I threatened to file a complaint
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, Equifax, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Trying to get my free annual report. 1st time I tried they ask for a payment that included a monthly fee. The 2nd time I got disconnected, and # 3 my information didn't match after I put the same information the first two times.
I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.
Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.
I submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS
I sent Experian a certified letter on   X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five y ears ). Even Experian has corresponded with me through my updated address.
Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.
I have been given multiple forbearances and deference because I have never been able to afford my payments. The fees are astronomical. I will not be able to ever afford my payments because the set payment amounts do not take into consideration any living expenses. The payments are based solely on income and family size. It automatically sets consumers up for failure and at high risk for default.
I opened up a CitiGold checking account back in XXXX 2016 using a promotion that would give me XXXX ThankYou points once I have made XXXX bill payment for XXXX consecutive months. I completed that requirement in XXXX 2016 and had n't seen my points posted yet. I called several times since XXXX 2016 and the rep confirmed that I would see my points within 60 days after completing the requirement. It has been 5 months and I still have not received my points.
please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps.
Profit Services Group has called us several times in reference to a doctors bill for our daughter that has not been paid. They do not leave messages, they will not send bills and want us to go to their office to get copies of bills and pay. I have explained to them that this is a workers comp claim and that I have been working with the Employer, Doctors and  Insurance Company  since  XXXX . They were very rude, threatening and condescending. They are threatening to send it to further collection, take legal action and have called me at my place of employment. They are also trying to collect an additional {$400.00} for credit collection fees. They will not listen to our explanation. They want to know if I have been working on it since  XXXX  why has n't it been paid. They accused me of doing nothing. I tried to explain and they will not listen. I had to hang up on them, due to their rudeness, lack of understanding, and accusations. This is not my first harassing encounter with this company.
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Two back to back phone calls on XX/XX/2017 at XXXX They call around every 3 hours Mon-Sat The creditor is Discover credit card.
I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.
On  XXXX   XXXX ,  2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,   XXXX  , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017,  I got notification it cleared my bank.     On  XXXX   XXXX ,  2017, I  did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,  2017, I  wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017, I go t notification it cleared my bank.     Then, on  XXXX   XXXX ,  2017, I received  a letter from  Focused Recovery Solutions , Inc.   XXXX    XXXX     XXXX ,  XXXX   XXXX ,  XXXX , VA  XXXX  indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days.     On  XXXX   XXXX ,    2017, I  called both the collection agency as well as the vender,  XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments.     This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of  XXXX .
I have disputed with Portfolio Recovery, on several different occasions. This alleged debt is NOT mine and it is ruining my credit profile and my good credit history. They have failed on SWEVERAL occasions to show proof and what I mean PROOF is a signed contract that I owe this company MY SIGNITURE. I DO NOT owe this company a dime and they have failed to deliver PROOF as REQUIRED.
My wife and I bought a home and had the mortgage threw Chase Mortgage. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that Chase continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and Chase Mortgage directly multiple times and have been ignored every time.
I have sent TransUnion documentation multiple times, more than 60 days ago, regarding identity theft and fraudulent accounts and inquiries on my credit report, including the Federal Trade Commission Identity Theft Report. The FTC Report listed the fraudulent accounts and inquiries. I have also spoken to several representatives regarding this issue. TransUnion has refused to complete the investigation as required by law, and refuses to re move the fraudulent inquiries, stating that they " are not required to remove inquiries and will come off after two y ears. '' Fradulent credit inquiries on my report include :  XXXX  Mortgage,  XXXX  Bank,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Cr,  XXXX  Ca  rd.
_________________ Tracking Number :    XXXX   XXXX ,  2017  :  XXXX  ;
I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did
Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.