WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX. I am having a huge problem with having several fraudulent accounts deleted from my Transunion Credit File. File Number XXXX. I have recently contacted the FTC to file a complaint as well, I have provided Transunion with a copy of my police report that list the fraudulent entries and after 4 months my situation remains the same. 

I have list the 6 FRAUDULENT COLLECTION ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated.
My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.
A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.
I got a call from my father a few weeks ago about this collection agency trying collect a debt from me that was 10+ years old. They told my father what I owed on the debt and that I was in trouble.
Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed.
Equifax allowed my credit information to be breached due to improper security protocol. This required me to freeze my credit as well as paying all 3 of the credit reporting agencies ( $ XXXX/each - including, inappropriately to Equifax themselves ) to put this freeze on my information. 

Not only was Equifax negligent in their security protocol, they also did not disclose this breach of information for over a month.
I had booked a ticket with CapitalOne credit card # XXXX on XX/XX/XXXX on a website makemytrip.com for a package to XXXX, XXXX # XXXX. Immediately after purchase I understood the fraudulent nature of this company- they said that we were paying for 3 beds but went back and said we have to pay for the extra 3rd bed after purchase. They sent new terms and conditions stating that everything advertised was reversible and we could not ask for refund. After seeing this, I cancelled the ticket at XXXX on XX/XX/XXXX and took a screenshot and I called capitalone telling them what happened. CapitalOne assured me that they got my back. I emailed the merchant since I did not receive a confirmation from them and that email was unanswered. On XX/XX/XXXX, I got an email from the merchant asking about the credit card dispute- I told them what happened and asked for refund again, to that there was no response. On XX/XX/XXXX the merchant kept making intimidating calls to me to go and I still did not go on the trip as Capitalone assured me that it has got my back. On XX/XX/XXXX I got a mail stating that the amount has been rebilled by CapitalOne to my account since the merchant sent paperworks stating that I agreed to pay the original amount. The merchant has not disclosed any acknowledgement that I had made attempts for cancellation. I submitted all the emails and screenshots that I had to Capital One but it refused any of those documentation to be valid documents. Now it wants me to pay the {$1900.00} for a trip that I did not make. Instead of protecting me from the fraud that has happened- CapitalOne now is making me bleed for such a large amount when I never got the service. CapitalOne is stating that my documents ( screenshots and emails to the merchant ) are not valid documents. I am attaching them to this email. They are also refusing to press charges against the merchant even though they said that they would do that before. They re-billed the transaction of XX/XX/XXXX to me on XX/XX/XXXX I am attaching the statement for it. Capital One though initially returned the full amount but now making me pay for something that I did not even get a service of. Please help.
WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?
I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me
On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX about 4 alleged accounts they claimed to have in collection, one of  which was for {$320.00} dollars. The phone number that showed on my caller ID was ( XXXX ) XXXX and was identified as " XXXX XXXX. '' I answered, as I do have current accounts with XXXX XXXX. The agent who answered the phone immediately identified herself as calling from XXXX XXXX in order to ensure that I would verify my identity. After identifying myself to the person I *thought* was calling from XXXX XXXX, she indicated that she was calling from XXXX XXXX XXXXXXXX and discussed possibly making payment arrangements on these alleged debts. 

As this is in clear violation of the Fair Debt Collections Practices Act : ( 14 ) The use of any business, company, or organization name  other than the true name of the debt collector 's business, company, or organization. 

I would like to file formal complaint.
In  XXXX  of  XXXX , I received an invitation for me to apply for the  BarClay Luxury Gold card from Mastercard w hich offered me as an  XXXX   XXXX  service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my  XXXX   XXXX  service. Due to my high tempo life style in the  XXXX   XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in  XXXX  and received my card soon after. After I received the card I made a phone call in about late  XXXX , early  XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act  ( SCRA ) was   followed, they required me to send a copy of my  XXXX , my orders and a few other things to prove I was in fact an  XXXX   XXXX  service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''.     In  XXXX  of  XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card.     I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.
On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent at XXXX EDT who opened up a Citi Gold Checking account for me with the following promotion code : XXXX agent said long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX / XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.
My name is XXXX and I recently got an alert from XXXX XXXX   showing 3 new accounts of which I did not open. I love in Pennsylvania and these accounts wheee opened in XXXX New Hampshire in the amounts of {$1500.00}, {$1700.00}, and {$2000.00}. I have no idea how these are in my name!! I dont want to have to have this debt when I have no idea where it even came from or how it got there. It shows up as XXXX XXXX XXXX and they used the same account but have 3 different amounts. This occurred on XX/XX/2017. I dont know why I didnt get an alert sooner but as soon as I looked at my XXXX XXXX account I contacted you all. Please help me!!
In XXXX XXXX we took out a SECURED loan w/World Finance ( WF ) in the amount {$5000.00} ; and, also took out insurance, should I become unemployed due to no fault of my own, the installments would be made on my behalf. 

XXXX XXXX, XXXX, I made a payment in the amount of {$200.00} ; and, on or around the XXXX of XXXX XXXX, I was laid off. I submitted the appropriate documents WF requested where I was approved for unemployment from the State of Tennessee and documents from the employer that laid me off to the WF office where the loan originated. 

I received a phone call from the Manager a few weeks later she did not know how to submit the claim to the insurance company and instead offered to refund the monies I had paid for the insurance policy. I told her that I paid for this policy and I needed it to pay off and suggested she call a supervisor or someone that could assist her. I found out that she instead called another finance company, we had a loan with, in the same town, to find out how they submitted the claim on us. 

I continued to submit my employment searches believing the Manager was taking care of the insurance and never once was I told any different. 

Fast forward to XXXX XXXX. I checked my credit and discovered in XXXX XXXX, WF had " charged off '' this secured loan as a bad debt. I called twice and left a message with XXXX of the employees for the Manager to return my call. The call was never returned. I never received a phone call, letter, nor any type of communication trying to collect on this secured loan. 

Then on or around XXXX XXXX, XXXX, I received a letter from a collection agency where WF had turned the account over to them with an amount due of {$2900.00}. I called the collection agency and told them the above-scenario and was advised to visit the WF office personally and take the letter we had received and explain it should have never been turned over for collection. 

My husband and I went to WF on XXXX XXXX, XXXX @ XXXX and talked with the Manager. She " said '' the last attempt they made to contact me was in XXXX XXXX ( I NEVER received a call from them ). I told her I had left messages for her to call me and she said she never got the message. She had copies of a letter ( s ) from the insurance company stating they were not paying off as they never received documents they were needing. I asked her where all the documents were I had dropped off, i.e. job searches, etc. She did not have them in the file and said she had never received them. 

My husband asked her since we were getting no where what could be done and she said it was out of her hands and she would need to contact her Area Supervisor. My husband told her to get him on the phone, we would wait. She left the area and tried to get in touch with him. She came back and said she could not contact him. She gave us his name and phone number. I have tried unsuccessfully to contact this gentleman 3+ times and left messages and he has not returned my call. 

I have contacted the collection agency and kept them informed and they have placed the account in a " hold '' status for 30-days.
Who it may concern, My company sales through the phone computer and services. My Merchant Account Manager is Bank of America. On XXXX, XXXX 2016 ; I received a request from Senior Procurement Manager of XXXX a quote for XXXX Laptops. After some basic verification, I send a quote for XXXX laptops. This quote was sent because the Senior Procurement Manager of XXXX XXXX told me by phone send only XXXX laptops to Alabama and the next will be send to other office. This Senior Procurement Manager of XXXX told me that company will paid with a credit card, which I accepted because we have merchant account services with Bank of America. Before to process the credit card I called at Bank of America several times, as is show in the report of my phone records. I called to verify the credit card information and the good standing of that credit card to process. 
XXXX XXXX ( XXXX ) XXXX Outbound PST 3 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 22 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 8 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 4 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 1 Minutes Bank Of America In all those calls the Bank of America representative told that those credit card was in good standing to process. So Bank of America always state " the credit card is ok and do n't worry about that, and your money will transfer to your business account XXXX hours after the transaction was made. '' I order my distributor to ship XXXX Laptops. The laptops were ship to Alabama. XXXX shipped the laptop on Saturday XXXX, 2016. Until that day Bank of America never call me. AFTER 5 DAYS, On Monday XXXX XXXX, 2016. A Bank of America representative call me ; he identifies himself as XXXX XXXX. This called happen in the morning around XXXX XXXX. I miss the first called, so I return the called and spoke with him. In that call he ask me for the invoice for that transaction. I sent the invoice and credit card authorization form that Senior Procurement Manager of XXXX XXXX sent to XXXX. 
Around hour later XXXX XXXX called me again to tell me that that transaction was a fraudulent transaction. That this credit card was report stolen. I explain him that I called Bank America representative to verify the good standing of that credit card, and he told whoever answer the call never verify the information of that credit card. He apologized for that and hung me up. I called one more time to customer service and open a complaint with a supervisor. This supervisor told that someone from Bank America will call me in the next two or three business days. After a week I called again but the representative told me that this is not a Bank America problem. 
After that I called one more time and I spoke with a supervisor who identify himself as XXXX and he state that his employee ID is XXXX. He refused to give a case number for this complaint.
I wish I could select multiple options under " dealing with my lender or servicer. '' I contacted Navient due to my payment increasing by double without notice. During this conversation that took three hours, I was transferred between customer service and collections multiple times, as well as the call being ended by the representative 5 times during transfer. I asked to speak to a manager, a woman got on the line and spoke with me and then transferred me again. I was instructed by the next individual that the former representative I spoke with was in fact not a manager. This individual, who also identified himself as a manager, attempted to provide me with an explanation that did not make sense based off the explanation of my plan and the payment expected, attempting to confuse, mislead and misrepresent that numbers I was charged monthly and what payment program I was in. I inquired about ALL of Navient 's repayment plans, the individual stated that he would not discuss any of the other options because he would not allow me to enter into another program, based off his discretion. When explaining to him that we were seeking information from him in the customer service department the individual again reiterated that he would not even discuss any options because he had already decided he would not allow me to move to any of the programs offered. He also attempted to scold me for asking for these options. Navient continues to exhibit the same behaviors alleged by the CFPB in their lawsuit and their employees continue show a lack of education about their product and block borrowers attempting to gain information about all of their programs.
Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.
Equifax has and continue to report fraudulent accounts. They have not validate any account to me.
Ohio Department of Human Services has been incorrectly reporting my payment history and it is severely affecting my credit rating. They are showing collection history and payments up to 120 days late.
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my TRANSUNION credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.
I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX

Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CHASE AUTO Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX