WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.
Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.
I live in  XXXX   XXXX   XXXX  and I have a Visa credit card with Bank of America that I only use in the USA and they can verify mi card has not been used before outside the USA. On the      XXXX   XXXX   XXXX        I entered the online banking account and I noticed  two  charges on my credit card which I do n't recognized. The  two  charges appeared on the bank page to had beed made on the   XXXX   XXXX   XXXX    2017  and I called the bank to report a fraud on the   XXXX   XXXX   XXXX      2017 . This were for {$5200.00} and {$5000.00}. The bank says the chip on my card was read for this transaction and that is not possible since my car is always kept in my safe box and I only take it out when I travel to the USA. Im completely sure that no one had access to my card. I requested a copy on the vouchers for this transactions and I finally received them yesterday, and verified that the signature on this vouchers are not my signature and are very different from the signature I have registered at the bank, also the personal ID number on the voucher is not mine either. In the vouchers the transactions appeared to be made on the    XXXX   XXXX   XXXX   XXXX   XXXX       2017  and now on the online bank page they are both dated on the   XXXX   XXXX   XXXX     and not on the   XXXX   XXXX   XXXX   as I saw for the firs time. Considering the amount on this transactions the merchant must have requested a valid ID at the moment of running the card and they should have verified if name on ID matched name on card. Also according to the security benefits the bank offers on credit cards they block transactions with abnormal behavior. This is a perfect example, first because the card was being charged by an overseas merchant for the first time and second the amount of more than  XXXX   XXXX  dollars for each transaction is not normal and the bank didn'tt block this transactions. With the facts Im providing you, should be enough reason to consider this transactions as fraud but the bank for the second time does not consider so. I have reopened my fraud complain with the bank for the third time with all this arguments with no intentions to reimburse me the amount charged on this transactions. This is the reason Im requesting your help.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2014 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.
Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.
I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
I contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. 
I am requesting XXXX  to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. 
Thank you XXXX XXXX
I will be XXXX next week and am the sole caregiver for my XXXX year-old husband who has XXXX. I had to retire from teaching 5 years before I wanted to in order to care for him. I have repeatedly sent in income documentation showing that we are living from month to month on low pensions, but get no help. I try to pay {$50.00} whenever I have any extra money left over. I know this is ruining my credit. I went back to school at age XXXX to get my teaching degree, and I had to choose a private college that offered night and weekend classes, which bumped my tuition up considerably. We have been through a bankruptcy ( 6 years ago ) because of my husband 's high medical bills, but could get no relief on student loan.
We requested that our checking account be closed on XXXX occasions. Our account was not closed & we were penalized with {$1200.00} in overdraft fees. In late XXXX / early XXXX we called the 800 number to request our account be closed. We were informed our account had to be at a 0 balance for XXXX days before we closed it. We were switching all of our ACH and credit card payments, and had informed all of our vendors the account was closed, yet some were still trying to debit our account and suggested we close it immediately so the ACH charges were returned and processed through our new account. We called the 800 number again a week later to request the account be closed and were XXXX again told it had to be at a zero balance for XXXX days. By this time, hundreds of dollars in overdrafts accrued because some of our vendors were still trying to ACH, but from our new and old accounts. If the account was closed the payments would have been returned and our vendors would not have charged us. 
We then went into the branch to tell them we needed to close our account with {$700.00} in cash. We were told there were still ACH items pending and they would not close it. We went into the branch again to speak with the manager, the manager informed us that we were lied to, that our account could have been placed " on hold '' and we could have paid the fees back in XXXX and closed our account. They then placed the account on hold and in between that meeting and the account being on hold, we accrued more fees. Wells Fargo then threatened us with collections for {$1200.00} + in OVERDRAFT FEES. These were simply old gym memberships, and a few other ACH items that we had switched to our new bank, but, were inadvertently submitted. These were not checks, or debit card uses, we were not continuing to use the account during this time. Wells Fargo lied to us the XXXX time we tried to close the account when we had {$300.00} in overdraft fees and as a result billed us for over $ 1200+.
I activated my XXXX phones on XX/XX/XXXX with XXXX XXXX and was promised all kinds of discounts that I never received from XXXX. I was told if I bundle my phones with XXXX XXXX and my existing home phone with wi fi my bill will be the same as I was already paying. That never happened my bill almost tripled what I was paying from the beginning I should have stayed with XXXX XXXX. Since then I had to continuously call for XXXX to correct my bill from being over charged for a watch that was returned and not crediting my account appropriately for the bundle with phones XXXX XXXX and home phone with wi fi. I still never received my XXXX dollar credit that I was supposed to get for a phone that was going to be spread out over two bills beginning in XX/XX/XXXX One of my XXXX XXXX boxes wasn't working for months had to call and get a new box no credit for that. From going to the store and calling on the phone was overwhelming. So now XXXX  has sent my account to collections for a total of XXXX. What happened to my XXXX credit that never happened. This is a dispute I do not owe XXXX.
I received a letter from Citibank thanking me for opening a checking account with them. I did not open a checking account with them. I called Citibank and explained that I was a victim of identity theft and that I did not open that checking account. I was told that this matter would be turned over to the fraud department and that the account would be closed. I never received any written documentation of their action. I filed the identity theft issue with the FTC and sent 2 certified letters to Citibank requesting that the checking account be closed, that the inquiry be removed from my credit report and asked that they send me written documentation of these actions. The first certified letter was mailed on XX/XX/XXXX, with no response. A follow-up certified letter was mailed on XX/XX/XXXX, with no response as of today.
for the past year, my Equifax has been stuck on the same score nothing about it has updated or changed. I was hoping you all can contact them and handle the matter.
Student Loan direct. They called me after I graduated college. They had been calling me for sometime. Because I work for the govt, I never thought about a scam because they had most of all my Info. I Know I could have qualified for this program, and our house had burnt a week before and I thought this was legit. They told me because I was govt. I could get student loan forgiveness. They told me they would take care of almost all the loan but I need 4 payments of XXXX, that was my share of the remainder. So they took.all payments out. I called to check on my. Loans and there has been no payments made nor anything removed or relieved. The office of ombudsman said to contact everyone. I. Called the bank and all that. It's scary that they took that much money from me and I saw no concern about this at all. It seemed legit. Now my loans are all screwed up. I now owe my school and I'm out {$240.00} x 4. This really sets me off. If you look at the reviews they also use other Alias to collect. All the money they have taken is on the XXXX  WEBSITE. Hope they send them all to the chamber for doing this to low income families. Please stop this circus. My case is just one of the millions. I was on the phone for 5 hours listening to the student loan lenders that I had been a victim of fraud. Had I not checked on my loans, I would have never known what was promised, never happened. Way to go scammers. I hate that you sleep at night after taking advantage and lying to people day after day. Thank you, XXXX XXXX
GRANDVIEW FINANCIAL SE Account Type Installment Loan Terms 48 Months Payment Status Details Charge-off Status Updated XX/XX/2014 Balance {$8600.00} Past Due Amount {$8600.00} Contact Phone ( XXXX ) XXXX-XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$12000.00} i returned the card to them and they told me i won't have any balance left on my credit report after i gave the car to GRANDVIEW FINANCIAL SE i saw that there was a cargeoff account on my credit report i contact them they told me there is damages on the car but they didn't tell us anything when we returned the car. so please ask them to remove this negative information from my credit report.
My prepaid card was hacked I have unlock iPhone my account had some charges on it I ask them to investagte I got 1 back but the other one I did n't than prepaid card company lock me out of my online account this is how I get paid buy my employer than company with out my concent took XXXX that I had on card it when to XXXX balance I get text alert on what my balance is what I buy when my employer deposit my payroll check they we 'll not let me have my wages. They say I have to wait a month so they can make sure money is mine it is they payroll send it to them they know how much I get paid they send me text alerts
I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.
Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report
I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.
The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, XXXX, and experian. 

Attached proof of removals and disputes
Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.
False information on my credit report, claiming a balance of over {$3000.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This is False information. 
The original contract from XXXX & XXXX XXXX XXXX was Cancelled.  The vehicle was returned and the original contract was cancelled, with a zero balance, and the buyer agreed not to sue the seller for fraud. 

This information was provided to Transunion on XX/XX/2018 in the form of a complaint. 
Transunion failed to take appropriate action and remove the false item from my credit report.
Purchased our home in XXXX of XXXX. Our XXXX payment was made in XXXX of XXXX. Loan care servicing center was responsible for taking our payment and process it. We made our payments on time every month and never sent in a payment, I always called and spoke to someone and they made the payment as an ACH transaction.. Our mortgage was sold in XXXX or XXXX to XXXX. We continued to make monthly payments to them via phone. It was n't until XXXX that we called to make a payment and were informed we were 30 days behind. After many phone calls we disputed a missing payment they said we had in XXXX XXXX. After faxing and emailing proof of payment they changed the month of the missing payment to XXXX of XXXX. After this date was verified payed just a few months ago the now new date up for dispute is XXXX of XXXX. We have provided and ACH transaction proof from our bank and we 're told by the End of XXXX XXXX we would be receiving a letter letting us know the problems had been corrected and the late fees and missing payment would be resolved on my husbands credit report. This case has been escalated 3times in a year. As of the XXXX of XXXX, we received yet another email saying the ACH transaction was not enough evidence. After having a XXXXway conversation with our current mortgage company and loan care the night of XXXX XXXX, Loancare hung up on us twice and we nothing was resolved. We have sought legal advise and Loancare still refuses to fix the mistake on their end. They have our transaction for XXXX XXXX being sent back to our bank as insufficient funds. We have provided them with proof on our bank statement that it was never put back in our account and the ACH transaction was posted to the account. They have more than enough proof and are refusing to accept something happened on their end. This has been over a year we have been fighting this and my husbands credit has been ruined in the process. Attached is all the proof we have ever given them and they are still saying it is n't satisfactory.
Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. 
The negative credit claims do not belong to me.
I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees