WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I got an alert from XXXX that my credit score had dropped. Upon investigation, I found that XXXX had indicated I had opened an account and owed {$220.00} and they sold this to XXXX XXXX XXXX. I called XXXX who said they could not access the account as it was no longer theirs and that it had a close date of XX/XX/XXXX. On XX/XX/XXXX, I then outlined in a letter to XXXX XXXX XXXX, XXXX XXXX, and my lawyer that I never had an account with XXXX. 
I did intend to switch to XXXX on XX/XX/XXXX but after visiting their store in XXXX, FL and the employee finding that my current phone numbers could not be ported, I decided not to change to XXXX. I found that XXXX still charged my credit card and on XX/XX/XXXX I returned to the store where I made sure that I did not have an open account and was credited what I had been charged. I believe this " open account '' : was an act of fraud, probably by the employee who waited on me ( XXXX, sales rep XXXX ) who most likely got a commission fore every account he opened. Regardless of how the fraud occurred, I never had a XXXX account and I refuse to be charged any amount for this account I never had.
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/2018 Dear XXXX FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer  that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files 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 fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. 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 XXXX, 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 F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, XXXX and Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
sometime the end of XXXX Bank of America closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.
I have been dealing with Ocwen sinceXX/XX/XXXX regarding being behind on my mortgage and was never offered a repayment plan in this process. I can apply for a Hardship with my 401K Plan but need a Demand Letter or Notice with specific language as how many days or months the loan is in default, the amount I need to pay in order to avoid foreclosure proceeding and a future date in order to bring the account current. I have been corresponding the past month with XXXX, an Escalation Manager at XXXX, ext. XXXX. We spoke on XX/XX/XXXX and I stated to her that I would fax over the 401K Guidelines. I faxed over the document on Wednesday, XX/XX/XXXX in order for me to be approved for the Hardship ( I was previously denied in XX/XX/XXXX ). I was off from work for two days due to my mother pre-op appointments. I spoke with XXXX to discuss the faxed information in regard to her submitting the information for me to receive a letter and an updated Reinstatement Quote. To date, I only received a Response Letter and a Reinstatement Quote which shows different amounts that I owe. I can not submit that because the money amounts do not match. I called on Tuesday, XX/XX/XXXX and requested the same Notice or Demand Letter with the specific language. I was told that the request would be put in. Why? This should have already been put in the system. I then called on XX/XX/XXXX for an account update and spoke to a Customer Service Rep. and requested to speak to an Escalation Manager. He listened to my request of what I needed from XXXX and he noted this in the account as he stated. This is why Ocwen was sued because of mishandling of accounts. My Servicer was changed but Ocwen still services the loan?
Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
This company unlawfully inserted information onto my credit report and I want it removed immediately. I have never conducted business with this company.
Alleged mortgage loan debt collection activity pursued by JP Morgan Chase Bank , N.A . Mortgage, XXXX exceeds State of Tennessee statute of limitations and therefore is time-barred from collection. Last payment on record was made on or about XXXX XXXX, 2009. Persistent collection attempts by JP Morgan Chase Bank , N.A . occurring after XXXX years of non-payment violates FDCPA law and State of Tennessee XXXX.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I sent a letter dated XX/XX/18 to Barclaycard disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from Barclaycard that was not dated and stated that the requested statement reprints were enclosed. In my letter I never requested statement reprints. After I received the letter from Barclaycard, I pulled my credit report from XXXX  dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I sent another letter dated XX/XX/18 to Barclaycard detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received a letter from Barclaycard dated XX/XX/18 stating they had completed their investigation and had sent validation on XX/XX/18. I have no letter in my possession from Barclaycard dated XX/XX/18. I pulled my XXXX report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account and all three credit bureaus reported the late payments were valid, yet my account was not marked in dispute. Please see attachments for all correspondence.
good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX XXXX
I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.
had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
i have been trying to get a resolution with the lender and we keep going back in forth with mixed updated. When I call they advise my file was under review but they later advised that it was removed due to missing documents. 

I am just getting the run around when i am trying to save my home. They even advised me to file a complaint and don't care about their customers Please help
I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!
The company named Portfolio Recovery send letter that i owe them {$1900.00} and the Date Report is XX/XX/2018. I send email dispute charge and i told them i do not own them any money. they keep calling to my phone and i block their phone number and i they send letter that they will give the case to law office. I sent the mail and ask them to stop contacting me and Treating me, also i do see i my credit report that they send their false claim to report to credit bureau.
I closed on a HELOC for $ XXXX with PNC on XX/XX/2018. At closing they offered to transfer $ XXXX to our checking account. We specifically declined this offer, and did not sign the paperwork to authorize the transfer. On XX/XX/XXXX I observed that $ XXXX had been transferred to our checking account without our permission. PNC is not able to say how or why this happened.
I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me
On  X/X/17    I requested a payoff quote from my loan servicing company,  XXXX , because I am refinancing my loan ( which has a  1st & 2nd put together ). O n their payoff quote, they are charging me {$200.00} for each release. I called the Washington  XXXX   XXXX   County Auditor  's office and was told the fee is only {$73.00} for th e 1st p age and {$1.00} per page after that, but re-conveyances are only usually  XXXX  page, and never cost {$200.00}.   Today,  X/XX/17   , I called  XXXX  asking why the fee is so high when the actual recording fee is n't that much & according to my DOT am not responsible for the Trustee fee. They said no, that across the board, Washington State reconveyance fees are {$200.00}, and if I do n't want to be charged that for each of the releases, I have to have the recording department in the auditor 's office fax them otherwise. Which ... of course they just told me to have   XXXX   look at the their web page ... which of course  XXXX  wo n't do.   I AM BEING OVERCHARGED AND CANT ' DO ANYTHING ABOUT IT.
{$1400.00} was is on my credit stating that I owed this amount and they were informed that this was XXXX XXXX ( a person I dont know ) wrongfully using my information without my permission and now it on my credit.
Macys credit card, XXXX. Fraud alert, approximately $ XXXX used at XXXX in XXXX. I reported it as fraud and they stated they would deal with it. Following the initial phone call I 've attempted to reach out and pay my bill and to no avail. I was locked out of my account which STILL states I owe XXXX, I can not access any remaining information on my card ... such as transactions. I attempted to message them and ask if they could unlock it, or tell me the transactions. They proceeded to tell me how to activate a new card ... I 've tried to reach out on the phone only for someone to muffle into the phone -- 60+ minutes -- and try to tell me to pay the XXXX on my new card and leave the old account.. NO IM NOT LEAVING THE OLD ACCOUNT, WHICH IS CONNECTED TO MY INFORMATION. It 's been a month of me trying to get the XXXX off my bill, which is showing up in correlation to my credit score. I 've canceled the card today and have request a paper stating both account are " XXXX and closed '' but I am unsure if it will dissapear. because as of now my online account still shows a balance.
I purchased a pair of " Authentic XXXX XXXX XXXX XXXX XXXX size XXXX '' on XXXX/XXXX/16 from a seller off of PayPal. He told me to use the friends and family option which would not charge him a fee. He said he would ship within 2 days and I messaged him asking him if he shipped the shoes out or not but I get no respond. I found out that he was a scammer because I did n't know that I would n't get protected if I chose the friends and family option on PayPal which he is NOT A FRIEND OR FAMILY. I 've tried everything I could to do on PayPal and no refund. I just want my full refund, I never received my item and I know I will not receive what I paid for and the money I worked hard and earned for.
Chase is reporting inaccurate late payments on my credit which are severely damaging my credit scores. My car was totaled XX/XX/XXXX and since that time, Chase has been servicing my account poorly. 

I am trying to apply for a mortgage but these late payments have set me back drastically because of the hit to my scores. 

Currently, they are reporting that I have been 30 days delinquent on my payments since XX/XX/XXXX. 

The fact that my car was totaled was something beyond my control. After the accident, I was never able to make regular scheduled payments online as this account was marked as special collections. In order to discuss my account, I would be kept on hold for up to 90 minutes at times making it very difficult to get assistance. Each representative I did speak to would tell me that my payments would retroact back to XX/XX/XXXX ( This would be insurance and gap payments ). 

Unfortunately, this never happened as they indicated and each time I called back there were delays ; Delays in paperwork being sent to GAP and insurance. I made the necessary arrangements for my insurance to cover their portion but I have had to mediate this entire process with Chase since the accident. 

A lady from the executive office called me after the first complaint I filed and she told me that she would remove the first late after the retro payments back to XX/XX/XXXX. 

This never happened as stated to me and she never called me back. I also tried to call on my own and the representatives told me it had not been done yet. 

In the meantime, it seems that payments were being applied haphazardly to either interest or principal and they have been reporting me 30 days delinquent since XX/XX/XXXX. I 'm not sure if they were being spiteful because of my previous complaint but on XX/XX/XXXX, they reported me late again and said they would not be able to apply it until XX/XX/XXXX?
I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.
National Credit Systems has been calling repeatedly : my office, my cell phone, my kids cell phone, my colleague. Also leaving voicemails and texting. 
They hung up on us when we refused to give the last 4 numbers of our social security number. 
They misrepresented themselves by saying they are a friend of mine. 
They keep texting, calling and leaving voicemails.
BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same
Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake