WillisBack/dataset-financial-user-claim huggingface dataset:
I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
I have been processing  a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $  XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.
Transunion is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Transunion and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX, AR XXXX
This account is invalid and is not authorized to report on my credit. Under the Fair credit act I have never had a contract with XXXX XXXX. There is no signed agreement between me and this company,
In XXXX of XXXX I submitted a written request to Wells Fargo to have the property tax portion of my escrow account payments disbursed when payments are due rather than annually, as is allowed per Wisconsin Statute XXXX paragraph XXXX due to my fulfilling the requirements of XXXX paragraph XXXX. I spent countless hours on the phone will all levels of customer service, who insisted that I must adhere to a single tax escrow payment annually. Only upon citing specific sections of Wisconsin and Federal statute did Wells Fargo agree to follow the law. 

XXXX taxes were disbursed without incident, however upon receiving my escrow account analysis for XXXX I noticed that Wells Fargo disregarded this requirement in XXXX. In XXXX XXXX, Wells Fargo disbursed the entire property tax payment in XXXX rather than in two installments per my written request. In addition, they miscalculated the actual amount of property taxes due, and based the new escrow analysis on annual taxes of {$3700.00} rather than my actual taxes which are {$2400.00}. This early payment combined with the wrong tax amount caused a shortfall in my escrow account, which Wells Fargo is attempting to recoup by increasing my monthly payment. 

If the correct disbursement terms had been followed, the escrow analysis would have found there is more than a two month surplus in the account which is the maximum cushion allowed under Chapter XXXX of RESPA.
I had a collections account for a XXXX Charge off with Northland Group. I paid Northland Group to settle the account. I accepted a settlement offer with the understanding the XXXX Account would reflect a XXXX balance as I agreed to the settlement offered to me by the Northland Group. On my credit report the XXXX account on my credit report continues to report a balance past due of {$220.00}
I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them
I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.
I am filing this complaint because after reaching out to capital one to resolve the issue they were not willing to assist. This complaint is in regard to 30 day late payment that is reporting on my credit history for the months of XX/XX/XXXX- XX/XX/XXXX. 

I was making monthly payments as usual through all of those months ; however, they are stating that a payment was returned in XX/XX/XXXX that I was not informed of which is why the history is reflecting the late payments. 

I have had an amazing payment history with them and I was not aware of any payment being returned nor did I receive any notifications from my bank nor Capital One even while I was making payments via their representatives. 

I feel if the payment was returned I could have been informed via mail or even by a phone representative instead of them not letting my know they continued to accept monthly payments as usual and negatively report my accounts to the credit bureaus when the situation could have been handled more professionally. 

I was informed by a manager on their escalations team to dispute the late payments ; however, upon initiating the disputes they continue to state they are accurate even though they informed me they would remove - update my credit file with the credit reporting agencies ; however, they have failed to do so. 

They also have address listed as XXXX XXXX XXXX, XXXX AL XXXX which is inaccurate.
When Equifax had their data breach, I attempted to add a credit freeze to protect myself from their negligence, but their negligence and incompetence continues to be a problem. First, their system crashed when I put the credit freeze. I received an error message on the screen, but when I tried to reenter the info for the credit freeze, the system only gave me options for unfreezing. I did not receive the required PIN to use when unfreezing my information. 

I attempted to use the online system to issue a PIN, but all the appropriate links went to dead pages. I called their customer service number and after waiting for an hour, I got ahold of someone that said they were only answering data breach questions so I would need to call back. 

I wrote them a letter and explained that I needed a PIN for the credit freeze on my account, if indeed a freeze had been placed. They replied by mail that a freeze was in place on my account - and ignored my request for a PIN. I sent a second letter that was very clear that their system did not provide me with a PIN and the online PIN replacement process was broken. I received a letter back that said my address had changed in the last 30 days - I have lived at the same address for the past 20 years! 

I will try a third letter in the hopes of finding someone competent, but the government really needs to step in and shut this company down. At the very least, provide the consumers with an opt out for credit reporting agencies that are irresponsible.
Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately : Account : XXXX XXXXXXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXX XXXX : never been in this state
Greentree keeps calling my personal and work number about 10 time a day, use abused threats. Saying their will come an take the house and have me in trouble. They also want to talk to my boss.
Transunion Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet Transunion is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?
Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.
XXXX Bank failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX Bank did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX Bank has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXX Bank. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX-XXXX XXXX XX/XX/XXXX
I opened a XXXX XXXX XXXX with XXXX with the offer that I can get XXXX XXXX XXXX points with a net spending of XXXX within the first three months. After I reach the spending threshold and the 8-week waiting period, the bonus was not credited. I used on-line chat to talk with XXXX representative, and got confirmed that I had met the requirement for the advertised bonus. After another two-month wait, the points has n't arrived and I have n't received any updates from XXXX.
I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure. 
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.
In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.
I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters.
My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. 
The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. 

In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. 
The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.
XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.
Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing
I had a dispute on my card for {$16000.00}. The merchant credited {$14000.00}. On  XXXX   XXXX ,   XXXX  , I received a letter fro Chase which said : " We 've issued a temporary credit to your account for the {$2200.00} in dispute. If interest was charged on this transaction, your account has been credited for it as well. '' See attached. I have just received my statement - the first since this letter. There is NO credit for the {$2200.00} or the interest. I have now spent  XXXX  minutes in  XXXX  separate calls to get this fixed but can not. In the first  XXXX  calls the agents spent  XXXX  minutes reading the " notes '' and then my call dropped. I can not resolve this issue
ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO XXXX XXXX XXXX.
I tried to close my HELOC in XX/XX/XXXX. I have still not received my lien release from Bank of America. They say I owe them {$13.00} fee for lien release. On XX/XX/XXXX they debited my checking acct. with them for {$13.00}. Acct. ending in XXXX.
I sold an item on eBay for {$1600.00} and the buyer paid with PayPal and the funds were deposited into my PayPal account. The buyer personally picked the item up and took it home. On XXXX XXXX, the buyer then filed a claim with eBay and the {$1600.00} was taken out of my PayPal deposit account without my consent. I contacted eBay and they ruled in my favor and advised me the PayPal funds were returned. The funds were returned because the buyer made complaint about the item when picking it up and he made no effort to return the item. On XXXX XXXX the buyer filed a dispute with PayPal ( even though eBay had already ruled on this matter ) and PayPal again took the funds out of my account. PayPal did not notify me this was being done via email, phone or letter. I was not aware of this issue until XXXX/XXXX/15 when I logged into my PayPal account and saw the transaction and my account in the negative. There was a note from PayPal on my account demanded I fund the negative with my other bank account or credit card. I contacted PayPal and they claimed they tried to email me XXXX times before ruling in the buyer 's favor. I show no record of any contact attempt, although I had received other email from PayPal. They told me it was my fault for not logging into the PayPal system and checking on my account. I appealed the decision and they rejected my appeal. The buyer has now received a refund and has the {$1700.00} item and my account is running a negative balance even though I was told the dispute was settled in my favor and all funds were returned to my account on XXXX XXXX.
We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.
I have disputed the late payments on XXXX XXXX XXXX for months. Credit Bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP