WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX & TransUnion processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at XXXX, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the TransUnion and XXXX online processes yesterday on XX/XX/XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by XXXX that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

TransUnion says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX  was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at XXXX. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX XXXX processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.
Last year in XX/XX/XXXX I had a visit to XXXX XXXXXXXX XXXX XXXX XXXX. After being checked upon by doctors and mentored by nurses, I was advised that everything looked fine and asked to check out at the front desk. The receptionist looked up my insurance information and I paid the co payment of {$100.00} through visa. XX/XX/XXXX, without no letter or notification from this hospital, I seen on my credit report a bill from a collection agency callesd Aargon Agency with the oringinal debt of XXXX to XXXX XXXX XXXX XXXX XXXX. I already paid this bill in full and the hospital said they contacted the agency to have it removed. Unfortunately the debt has not been removed. This has hurt my credit score dropping 140 points. I would like this resolved immediately.
I called Chase Credit Card company on XX/XX/2015 that I wanted to stop any further charges from XXXX. I told them that I had originally authorized XXXX to use my credit card but now do not want any further charges from them placed on my account because I was paying them by other means. I was told a " stop pay block '' was placed and no further charges will accrue. The next billing cycle I had another {$100.00} charge from XXXX and I called Chase Credit Card company on XX/XX/2015, repeating what I told the last representative, to advise them of this unauthorized charge that I was paying by other means. The representative, XXXX, said I should have disputed the charge and that she will dispute the charge, that I will receive a letter that I have to sign and return in order to do so. I never received the letter. I received a phone call today from Chase saying that my account is past due. I opened the statement I received yesterday XX/XX/2015 and there is another charge for {$100.00} against my account. Now I am waiting for a very busy medical practice to call me back which is precisely why I simply wanted their access to my account deactived until I had another appointment with them. I have never received anything from Chase for me to sign to dispute this charge in order to stop this cycle of charges according to their rules. I would think two phone calls verbally requesting this would be sufficient. XXXX XXXX only requires one phone call to settle such matters ... for them my verbal authorization is sufficient.
Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family
On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.
On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual
I received a letter in the mail requesting collection of debt XX/XX/XXXX for a Citibank card. The letter I received says I allegedly owe {$1400.00}. I contacted Citibank to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the Citibank Diamond Preferred card, which further confused me. Yesterday, XX/XX/XXXX, I received another Citibank card offer for a ThankYou Preferred card. If I had outstanding debt with Citi, why would I be eligible for their top cards?
The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that Citibank broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about {$1.00} XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to Citibank was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, Citi used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.
I received several calls from this company. I have had several medical Bill 's obtained in my name, credit cards obtained, a judgment filed against me but after I was made aware of it years later and my police report proven, the lawyer corrected it with the court. I have advised this company before filming with the XXXX that this debt is not mine. So here I will provide a police report when I was made aware of the identity theft. I do NOT owe this bill and am unaware of any hospital Bill 's in my name, AGAIN!!! I ma NOT refuting that the bill is due, just not by me. This is NOT my bill and I am disputing that. As a law office you should be aware of the many ways one 's identity is used. I do not care about an INVOICE, this is NOT my bill.
I was   XXXX   some time ago and can   XXXX   XXXX   XXXX   I have been working with  XXXX   XXXX  and his team to negotiate a short sale with  Specialized Loan Servicing.  They were able to find a Buyer however, the bank is not willing to look at the offer. They say the foreclosure is too close even though it is a month away.
I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance
I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.
I never took out any loan with company or agency that the XXXX XXXX XXXX collects on behalf of. I was attending college at the Univ of XXXX when my GI Bill erred and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the Univ of XXXX  sent the debt straight to collections at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I have tried to dispute this debt as being unfair under the FCRA. The XXXX XXXX XXXX  tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. The XXXX XXXX XXXX XXXX XXXX XXXX continues to report this as a collections account to XXXX  and TransUnion. <P/>Had the XXXX XXXX XXXX done the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately. <P/>I have tried to resolve this issue with XXXX XXXX XXXX on multiple occasion but was not able to. There is a XXXX balance on the account.
on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Please be advised that 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 tha t I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discove ry process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 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. I request that you do this immediately. 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 r ights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX  Company :  XXXX   XXXX   XXXX  Account Number :  XXXX
Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!
Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..
I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.
i got a car loan from Westlake financial, and contract end XXXX but i got XXXX deferred payments which accumulated more than {$2000.00} worth of late charges and fees. I only burrowed {$8300.00} at XXXX % {$280.00} payment since XXXX. its been XXXX years and still asking for additional {$2400.00}. already paid in total {$16000.00} in total.
I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.
When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX