WillisBack/dataset-financial-user-claim huggingface dataset:
After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!
Hello, The Coinbase application was used to purchase digital currency. The order was executed and my credit card was charged but in my digital wallet and the reflection of the account within the app does not show the digital currency available. I reached out to Coinbase and did not receive a response with regards to my inquiry. At that time I felt the need to get help from the CFPB.
i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help
I have contacted XXXX, experian and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on XXXX and experian for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date FiledXX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
This debt is showing up on my Experian credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my Experian report. I need XXXX XXXX to remove it from my Experian report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.
This Problem Goes back to a credit card with XXXX XXXX  dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( XXXX, XXXX, & experian ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX XXXX   and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your  correct keep moving forward.
hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report
I enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.
This case filed Satisfaction of Judgment on XXXX/XXXX/XXXX per XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX in XXXX. We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I received a hard inquiries on my personal Experian Credit Report from XXXX XXXX  which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX XXXX  in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XX/XX/XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
PayPal on black Friday XXXX Thursday the XXXX of 2017 hitting XXXX search term t 75inch pop up a company marketing for place called XXXX XXXX after hitting pay realizing this company was I fraud I put in a dispute with PayPal immediately within a few minutes stating wanted cancel transaction error not trusting company. The company never responds with email confirmation or delivery like normal company. PayPal sends letter by email stating unauthorized transaction denied but in email state will help if never receive product. So tried to open case they said not allowed going against email and not honor fourteen on product deliver. At this time no word from seller and PayPal said with never refund money not there problem never received.
I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.
As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.
I had fraudulent activity on my Wells Fargo checking account. Someone was able to gain access to my online account, change my login and password. After gaining access, I received a call from a person ( Male ) claiming to be from XXXX on XXXX stating they were verifying a charge in Ohio for {$1000.00} that looked like fraudulent activity. I told them I was not in Ohio and did not make a purchase. They stated they ( WellsFargo ) would remove the charge and needed to verify that I was XXXX XXXX by sending me an immediate text message with a confirmation to repeat back to them on the phone. I immediately received a Text message ( stated in text that it was WellsFargo ) and repeated the confirmation code to the WellsFargo representative. They said all would be fine now and that the charge for {$1000.00} will be removed. Ended call. I immediately signed into my account ... which was an issue as my password & login seemed to be wrong. I did the necessary steps to reset login and immediately noticed a {$2400.00} Transfer out of my savings labeled " Transfer to Prevent Help ''. I called WellsFargo ( XXXX # listed online ) and who informed me that I was scammed and a claim would be initiated and they would set up an investigation. I was upset as they continued the process of reading the legal statements and were not AT ALL reassuring that this was going to all work out once they investigated. It has been 7 days and I have done all necessary ( went to the branch, changed accounts to new accounts etc ). I am aware that I have rights to my $ $ and ca n't believe it takes this long to determine that it was fraudulent activity. I 've contacted my local WellsFargo Banker and he said I will get my money back but not until after the 10 BUSINESS days. Is this fair?
I disputed XXXX XXXX XXXX back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX. to XXXX XXXX. Monday Friday in your time zone. 
Now on XX/XX/XXXX, this account has been added back to my credit report.
I applied for a conventional mortgage with Third Federal Savings and Loan. My application was denied. My loan officer was XXXX XXXX ( NMLS XXXX ) who called me to share this information with me and said the reason was because of a settlement that I made on a 2nd mortgage I did back in XX/XX/2013. When I asked XXXX if there was a time frame until I can reapply again she told me " Probably never again ''. I asked her to please send me a formal denial letter from management and one was never sent to me in writing.
I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you.
XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a  XXXX phone bill they are trying to collect in the amount of {$5100.00}. 
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. 
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. 
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. 
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.
I had fraud committed against me and reported it to XXXX, Chase and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.
XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Issue 1 : I am currently enrolled in an income-driven plan that was handled in XXXX XXXX under Navient. After having another loan recently come due in XXXX XXXX I completed the necessary paperwork to add in the loan all while still continuing to pay XXXX separate loan payments. It was n't until I called this morning that I was told the loan is not eligible to be added in because I missed the 180 day deadline. My option was to complete an entirely new income-driven plan to include all of the loans once again. 

Issue 2 : It was to my understanding that the last loan was not supposed to come due until XXXX XXXX. However after logging on to my account in XXXX XXXX the loan was prompting for a payment due. This is what prompted me to complete the additional paperwork to add in that last loan to my already existing income-driven plan. After just getting off the phone with a representative she made mention hat my loan was not due until XXXX XXXX. When I made the remark that I was paying the loan because my account reflected it being due along with past due notices she acknowledged the account did say that but could n't deliver a response as to why. She placed me on a brief hold and I was told a " research investigation '' has been issued to explain why this loan was prompting me for a payment when it is not due until XXXX XXXX.
XXXX  accounts that were previosly deleted due to me being a victim of identity theft have reappeared after so me one in  Equifax decided to " consolidate '' my report to shorten it. All of these accounts were previously investigated and blocked due to identity theft. Now that they have re-appeared I have been shuttled to the consumer affairs division of Equifax where the representatives are extremely rude and not helpful towards my situation. All of my documentation is on file and these accounts should have been deleted again within 4 days and that has not occurred. It has been approximate ly 2  weeks and this is causing me an extreme hardship.
Equifax was hacked, exposing my PII. They failed to disclose this hack until more than a month after it was detected, exposing me and millions of other consumers to the very real danger of identity theft.