WillisBack/dataset-financial-user-claim huggingface dataset:
i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft
called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ).
Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER XXXX.
The following transactions occurred : XXXX/XXXX/XXXX - {$290.00} XXXX/XXXX/XXXX - {$300.00} XXXX/XXXX/XXXX - {$300.00} These transactions were authorized to XXXX XXXX XXXX XXXX XXXX ), also dba XXXX XXXX XXXX XXXX to assist in reducing my Student Loans. I had been communicating with them on a regular basis until XXXX, XXXX. 
In XXXX XXXX, I stopped receiving communication from the merchant, but continued to try and reach them. As of this time they had not provided any of the services they had promised. I continued trying to reach them on a weekly basis with no success. 
On XXXX XXXX, XXXX, when I called the XXXX XXXX phone number, I received a phone recording stating that the XXXX XXXX had shut down the business due to fraudulent transactions and gave me a website to refer to. 

At that time I went in to my banking institution ; Wells Fargo Bank, and told them of the situation. The personal banker said that I would be able to receive that money back if I filed a dispute. He then dialed the number for me to do so. I spoke with a Representative from the XXXX XXXX XXXX XXXX, and she also told me that I would definitely be able to have that money reversed. However, it would take about 10 days. I filed the dispute and was expecting a full reversal of the charges based on what the personal banker AND the representative from the XXXX XXXX XXXX XXXX. told me. 
I heard nothing from Wells Fargo until receiving a letter from the Claims Assistance Center on XXXX/XXXX/XXXX stating that my claim had been denied and closed because the timeframe for requesting a refund with the merchant had expired. No one had ever told me of an expiration time. Both the personal banker and the representative from the XXXX XXXX XXXX XXXX. had told me I would not have a problem having that money put back into my account, and never once said anything about an expiration timeline. 

I have since called the Claims Assistance Center and talked to numerous people, ( who have all been extremely rude and very short with me ) about this and have been told there is no appeal process and they would not allow me to talk to anyone else regarding the matter. I was told by one representative that the claim was never even investigated because the time had expired to even file a claim. 
I feel that the time being expired is misrepresentation and deception on the part of Wells Fargo, and, if that is indeed their practice, why did the Personal Banker and the Representative from the Debit Card Claims Dept. who both knew the circumstances of the claim, not know that and tell me.
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In XXXX, 2018 my company had requested a corporate American Express card. Two days after receiving the card it was stolen. I contacted American Express and provided them with the information. Needless to say they decided to switch the account over to an individual account and made me responsible. I told them this was a credit card fraud. We only had the card for three days then I closed the account. Since then, American Express has done everything possible to destroyed my credit rating. Now my credit score went from XXXX down XXXX. 

XXXX XXXX now has the case and advised me my credit rating will go down until I agree to pay the charge. Phone number is XXXX American Express disputes XXXX My contact number - XXXX XXXX XXXX XXXX XXXX
We had set up a payment automatically through our Debit Card from XXXX with XXXX XXXX Hospital, and because our bank sent us a new Debit Card ( when XXXX and XXXX XXXX were hacked and all banks sent new cards to customers affected ), our payment did not go through with the Old/Cancelled debit card, but we did n't know it at the moment it happened. My husband went ahead and made the payment and brought the account current, but I received a 30 day past due mark of delinquency on my credit. I disputed this through XXXX, but I have not seen any updates and no responses from Progressive Management S Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Phone # XXXX. They are the Collections agency for XXXX. 
I would like the 30 day mark deleted from my credit record, since it was an error, not a missed payment. 
thank you,
I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.
This is in regards to my previous complaints. The most recent one is # XXXX. Citibank responded to my last complaint stating that they have not received my payment. I have a receipt showing that they did in fact receive my payment on XXXX XXXX, and it was received by XXXX XXXX ( see attachment ). My check was returned to me ( yet again ) on XXXX XXXX with a letter stating that they could not verify my correct account number. I checked the account number that I wrote on the check and it matches all of the documents that I have received from Citibank previously and the account number that I was using to make payments during my cosigner 's bankruptcy ( I can provide proof if this if needed ). If the account number has changed I have never been notified. Every time I call Citibank to discuss the loan they either tell me that I have a zero balance with them, or they have no record of an account with my information ( but refuse to give this to me in writing ). This makes me wonder whether or not this debt is even valid. I have made many attempts to pay this debt, but Citibank continues to make it impossible to do so. I keep getting false or misleading information about this loan from Citibank.
I complained to the CFPB regarding the Enhanced Recovery Corporation ( a collection agency ) and XXXX ( a cellphone company ) in XXXX of XXXX ( see case # XXXX ), because Enhanced Recovery was trying to collect a debt ( on behalf of XXXX XXXX that did not belong to me. In fact, the debt holder 's address and date of birth were different from mine ... the debt holder only shared my first and last name. Thankfully, this case was resolved successfully in XXXX of XXXX, with Enhanced Recovery admitting that my name was flagged due to " matching names '' and that I was not the debt holder ( see the response of Enhanced Recovery at that time ). Because the collection was removed from my credit accounts in XXXX of XXXX, I thought the case was over. However, I received a letter from ERC on XXXX XXXX, XXXX about another XXXX debt for another person who shared my first and last name, but lives in XXXX, GA and who established a debt with XXXX in XXXX XXXX. ERC also states that they do not have a current date of birth or social security number for this debt holder. I have never lived outside of the state of NC, and do not have an account with XXXX. To be clear, ERC is again trying to collect money from me for the debt account of someone who shares my first and last name, but nothing else ( i.e., ERC has different demographic information and no SS number for this person ).
My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.
Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.
On XXXX XXXX, 2017 i contacted bank of America to inform them that my card was not in my posession and for it to be closed. I also made them aware that i was in the State of Georgia. They then issued me another card and transferred me over to the fraud dept. But the transactions are still on my new account ending in XXXX.
I would like to report Mortgage Fraud. We closed a loan on a refinance with XXXX XXXX in XXXX XXXX they paid our property taxes for XXXX upfront and then the previous mortgage company had also paid the property taxes as well. This caused an overpayment for property tax which was refunded by the county Commisioner 's office in XXXX, GA. The refund was sent back to closing officer in the amount of {$1900.00}. The closing officer stated he was instructed by XXXX XXXX to return the refund to them. XXXX XXXX ( XXXX ) stated that they then sent the refund of {$1900.00} over to RoundPoint Mortage around XXXX XXXX. Roundpoint then took refund for Property taxes and placed it in a suspense account instead of returning it to the homeowner because taxes were already paid in full. Then Roundpoint decided to just take {$600.00} of the property tax refund and apply it to principle mortgage and there has been no accountability of the remainder. {$1300.00} is still unaccounted for according to XXXX at XXXX XXXX XXXX. As a result the mortgage was then transferred over to XXXX and with a deficit in escrow it has now caused me injury where my escrow account was short and they advanced monies to pay property tax which led my house payment to be increased over XXXX a month for not having enough in escrow. Where is the refund? As far as I am concern this is theft by mortgage company. You can speak to me or my wife in reference to this incident. I 'm a veteran and this is a disgrace how they do what they want with your hard earn money. Some of these banks are out of control and taking advantage of the average citizen. Please help. Thanks.
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the XXXX XXXX XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.
DID NOT HAVE SERVICE WITH THIS COMPANY. I WAS IN SHELTER AT THAT TIME.
PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.
Hey, I was traveling overseas last year, and wanted to rent a car, so I decided to use one of the benefits that my XXXX Credit card offer, which is insurance coverage, and this is the reason I applied for this card. 
The way they advertise it is " Decline the rental company 's collission isurance and charge the entire rental cost to your card ''. 

So I rented a car on XXXX XXXX 2017 for {$150.00}, and when I went to pick up the rental car from the airport, the rental car company refused to accept the XXXX Credit card and wanted to charge me {$400.00} more on the top of the amount I paid, so I canceled the rent, and now the rental car refusing to take responsibility of misleading info on their advertising, and wo n't refund the money back to me. 
I talked to the benifit office of the XXXX Credit Card offered by Chase, and thei answer was that they ca n't help, they follow the policy of Chase, and when I called Chase, their supervisor said they ca n't refund the miney. 
What I 'm asking for is the redund of {$150.00} since I did n't lease the car, because their card is not acceptable like they advertise. 

Regards
I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
I have been talking to Equifax about mis information on my account .They argeed to delete my inquiry for I myself did not apply for them.I called 3 times spoke to 3 difference rep and they all told me they will be deleted came me a confirmation and everything on XXXX XXXX XXXX they removed several accounts from credit including un inquiry .Today XXXX/XXXX/XXXX they are back with all the accounts the removed before .I am totally confused by their action .I was not inform by mail or email .I will like use the reversion complaint for this .I should have bern informed that they were adding the accounts as well as adding the inquiry back.I have proof and would like all accounts the removed to be off my account.
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file.
I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.
I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today
XXXX XXXX XXXX employee XXXX XXXX has repeatedly called my employer multiple times and multiple days. Originally only referencing a private matter until today. XX/XX/18 she contacted my employer at numerous locations and stated she was a debt collector attempting to collect a debt. this is a violation of my employers policies and my right to privacy.
I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.
My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process.
On XXXX XXXX, XXXX, I applied for the XXXX XXXX card through American Express, and was approved immediately. Two offers existed for this card that I was interested in : one was a {$100.00} statement credit that would be applied to the account if you made a purchase with XXXX ; the other was a bonus of XXXX XXXX miles if I spent {$4000.00} in the first four months of having the card. 

American Express offers a way to use a card immediately after you 've been approved, so on the day I was approved, XXXX XXXX, I booked tickets for my husband and me on the XXXX website, for the amounts of {$140.00} each ( {$280.00} total ). This spending should have triggered the {$100.00} statement credit. 

On XXXX XXXX I met the {$4000.00} minimum spend requirement to get the XXXX bonus miles. 

It is now XXXX XXXX. It has been five and a half months since I met the statement credit requirement, and it has been four months since I met the bonus mile requirement. I have not received the promised reward. Since XXXX, I have contacted American Express via phone or via online chat about 2-3x per month to ask for status updates on this issue. I am only told that American Express is aware of the issue and they are working to fix it, and " it should be resolved in a couple more days. Please be patient. ''
A unathorized charge was charged to my account and Amex refuses to issue credit. This charge is unauthorized and therefore not legitimate. This is because a booking was made in error by a person not unauthorized to use this card. This error was due to my card number being saved in a website ( XXXX ) the person did not realize my details were saved and subsequently made the charge. When this error occurred I immediately contacted the merchant to cancel the charge or refund. Despite all good effort to work with the merchant on this issue we were not successful as they refused to return phone calls to rectify the error. 
During the dispute the merchant provided American Express a copy of the bill/invoice. I would like to state that this should no be counted as supporting documentation as this merely shows that my card was charged for the said amount and does not show I authorized this charge. We already know my card has been charged for this amount so a copy of a bill is irrelevant to my claim of an unauthorized charge.
XXXX XXXX XXXX has n't answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n't let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n't proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.