WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX I found out that a fraudulent account for Discover card had been opened under my personal information. I tried working it out with the bank but they did not believe that my account was fraudulent. Discover claimed that I had transferred my credit to XXXX XXXX XXXX, something that had never happened ( even fraudulently ) because when I talked to severa XXXX XXXX XXXX representatives there are no existing account under my information. I appealed to the credit bureaus : XXXX and XXXX who had told me that they will open a dispute with Discover. I received confirmation in late XXXX from XXXX and XXXX stating that the case has been successfully resolved ; Discover had removed me from their end ; it was also removed from my credit report and I received a new credit report stating that my Discover card is now closed. However about two weeks ago I received repeated phone calls from Discover asking me to pay " debt '' and that my card was never closed.
Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.
Transunion has a WRONG negative mark - from an XXXX. 

I never paid my XXXX late, Transunion communicates very poorly and is not fixing their error my credit report. 

Very disappointed XXXX
I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.
I began working for organizations that qualified for the Public Service Loan Forgiveness Program in XX/XX/XXXX I advised Navient that I intended to utilize this program. They did not advise to transfer my loans over or XXXX XXXX to begin the program, but said that I should make payments through them. They advised me in XX/XX/XXXX to consolidate my loans and again I advised them I was working for a XXXX that qualified for PSFL. I learned after consolidating that I will now receive no credit for my payments fromXX/XX/XXXX-XX/XX/XXXX Their response to my complaint was that there was nothing they can do but advise those representatives to give different advice in the future.
A account was open on my name,, and fraud was on my account right after,, this happen since XXXX, and I can not open other bank account on my name, due to this issue
Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.
On the XXXX XX/XX/2017 I transferred funds from my account on XXXX to my account on coinbase.com. The funds never showed up in my coinbase account. I contacted XXXX  to ensure the transfer went through and was assured it had and to check with coinbase. 

I have sent numerous emails to coinbase requesting the matter to be looked at and have been ignored. 

I lodged a complaint with BBB and they too have tried to get the matter resolved and coinbase have ignored them. 

The transaction id is XXXX
i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance. 
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?
On the evening of XX/XX/XXXX I placed an order for Bitcoin Cash ( BCH ) on XXXX. The order was placed at {$5400.00} and {$5300.00} USD per BCH, which was far higher than the website showed at the time that I clicked " Place Buy Order ''. Shortly after, all BCH trading on XXXX and their parent company Coinbase was halted. Trading did not resume until the following afternoon, at which time the price had dropped to under {$4000.00} USD. The highest price that BCH ever hit according to Coinbase 's own website was {$3400.00} USD on XX/XX/XXXX. I opened a support ticket with XXXX on XX/XX/XXXX and have followed up twice since. I have only received an automated response that they are " experiencing an unprecedented level of traffic ''.
The only address on my credit report should be XXXX XXXX XXXX XXXX, Texas XXXX. The other addresses our my son XXXX XXXX XXXX XXXX XXXX
To whom it may concern, The reason for this email is because I am seeking your help to correct a wrong information that Equifax is reporting. It says that our mortgage account with XXXX now XXXX XXXX, that was closed in XX/XX/2011, is past due of 120 days in the last 12 months. I am sending the cancellation letter, the settlement, and the Deed, as well as a history of the mortgage, for you to please review them since the delays reported are incorrect. I would like to express my appreciation and gratitude to you for taking the time to review these documents. 

Again, I pray that this error is corrected since is affecting us to acquire a new home for my family.
Suddenly today I received 5 phone calls in a row from XXXX a guy claiming to be XXXX XXXX says I have a case that is filed in the XXXX courts and to call XXXX I have no outstanding debts, we looked online and found the XXXX number listed a fake solicitation of debts-scammers! when I called the XXXX, they identify themself only as XXXX XXXX XXXX, a collection agency. Complete fakery! they kept calling and wouldn't give any information and threatened to call my employer, ridiculous!
This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.
A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. 
I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.
I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX  and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Received a call and voicemail was left from a restricted number this afternoon around XXXX. Name of the caller was XXXX XXXX. No company name given, no specific reason for calling ( never mentioned actual debt or anything it was in regards to ). Immediately started talking about coming to see me Monday with a court summons at either my residence or place of employment and that I would need proof of ID and my signature. Said that if I was n't reachable on Monday or could not be found, that they would file an affidavit and further action would be required. Only information given to contact them was this number : XXXX and used the word 'firm ', no company name given. Also said to refer to case number XXXX. I 've received calls like this before and they have been happening more often. I did not call the number back, but a simple XXXX search pulls up similar incidents from other people receiving calls from this number and numbers like it.
In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.
After months of research and speaking to Legal Aid in Delaware and California I have come to discover that I am a victim of Sewer Service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid in CA was 'too busy ' to help me so I am on my own. 
I never was served and this lawsuit is a fraud. 
On XX/XX/XXXX they placed an illegal hold on my Chase Account for {$43.00} and proceeded to steal the {$43.00} from this account on XX/XX/XXXX. 
I am requesting this money be reimbursed since it is an illegal action and I am a victim of Sewer Service. 
I have attached documents showing the hold and the falsified court documents they sent me. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claim to have served me in XX/XX/XXXX and on XX/XX/XXXX neither happened, so I was actually a victim of Sewer Service twice. 
I have now become aware of what Sewer Service is and I know it is highly illegal. 
What is surprising is that Chase Bank allowed the theft to happen even though I informed them the lawsuit against me was fraudulent. 
I am currently XXXX and have been since XX/XX/XXXX so I am unable to work. I am awaiting a hearing from Social Security which takes at least 600 days to be seen so my case is still pending and I do not collect XXXX at this time. 
I am being victimized and have been haunted by this fraudulent lawsuit and companies for several years now. Please help me resolve this matter and hold the fraudulent companies accountable for their illegal actions.
I returned a leased vehicle to  XXXX  on   XXXX  , before the lease through  XXXX   XXXX   XXXX  matured on   XXXX  . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On   XXXX   a check was issued and mailed to my correct address from  XXXX   XXXX   XXXX  for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX   XXXX  for all of  XXXX . On  X/XX/XXXX , I received a letter in the mail ( dated   XXXX   ) from  Central Credit Services, LLC ( a debt collector ) wh ich said I owe {$1500.00} to  XXXX   XXXX   XXXX   XXXX  and said " your leased vehicle was returned and your account balance  may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''.    I contacted both  XXXX   XXXX   XXXX  and  Central Credit Services an d inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from  XXXX   XXXX   XXXX  for satisfactory completion of the lease. A  XXXX   XXXX   XXXX  representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  Central Credit Services  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. When I challenged further the representative said she would mail me pictures of the damage on the vehicle ( of which I know there was none ). The pictures I received in the mail were approxima tely 1 inch x 1 inch s canned. Absolutely nothing can be seen in the pictures. You can not even tell what you are looking at.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
XXXX XXXX XXXX is trying to file motions in the XXXX County Circuit Court against me and my co-signer for this loan. They have filed misleading and false documents to put this in the court system.
XXXX people are XXXX and XXXX you like a dog. I started trying to communicate with XXXX. My credit limit was XXXX. Why is it XXXX?? No one wants to tell me. I am willing to pay my credit limit as an in full payment and am told no. I am also threatened with legal action and XXXX has sent v this to an attorney. The attorney says that in order to settle for just my credit limit that XXXX wants my income, my bank information, my utility information, my drivers license number etc ... information they are not going to get nor are they entitled to get this info.
I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points on early XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor the agreement, but to no avail.
ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU
I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.
On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX JCP ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me On XX/XX/XXXX XXXX XXXX responded and stated they report accurate information pertaining to my account and are unable to modify my account. 

as a result the debt that has not been validated and was updated on my credit repot on XX/XX/XXXX XX/XX/XXXX
equifax say that the items was verified but refused to answer the question for my method of verification, who did they speak with, the phone number they called and it took more than 30 days for my investigation
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is. This inquiry was made on XXXX2017
I would like to re-open the following claim : XXXX. 

Last year, I filed a fraud report against Chase because someone tried on multiple occasions to get credits cards under my name from this bank, but Chase kept denying this had happened. My complaint was closed after the company finally acknowledged to the CFPB that multiple applications were filed under my name and asked all three credit agencies to mask my personal data to prevent this from happening again. 

Unfortunately, yesterday ( XX/XX/XXXX) someone again tried to open a new Chase account under my name. I learned of this when my credit monitoring company ( XX/XX/XXXX, from the Office of Personnel Management ) sent me a notification indicating Chase had done another credit inquire at XX/XX/XXXXusing my name. 

I contacted Chase, but like last time, they have no records showing I have ever applied for their credit card. 

How can I get Chase to stop processing fraudulent credit requests under my name? I will never use this bank for anything, so why can they just delete all requests under my name?
GC SERVICES LIMITED PARTNERSHIP is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after XXXX  was unable to verify the debt with XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX  sold the debt to GC SERVICES LIMITED PARTNERSHIP
I requested that the public records of my bankruptcy be removed from my credit report. I have received a letter from the third party that the credit bureau has paid to collect this information ( attached ) and I would like this information removed from my credit report. I have disputed this item a number of times with the results being that the information is accurate and verified. I never received notice on who verified the information.