WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.
On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card.
Chase offers a rewards program with XXXX. 
New customers are entitled to a bonus number of points after sign up and minimum number of purchases. 
Chase did not initially transfer the points because the name on the XXXX XXXX Rewards account did not exactly match that of the Credit Card. 
This was fixed and Chase was made aware in XXXX. At that time, the Chase representative told me on the phone all was in order and the bonus points should transfer on the XXXX monthly statement. 

However, Chase did not transfer the reward points until my XXXX XXXX billing statement. The Chase XXXX Guest Rewards Membership agreement, XXXX : XXXX, states " Points will be automatically transferred to your XXXX Guest Rewards account at the end of each billing cycle ''. On my XXXX XXXX statement, only XXXX of the over XXXX points that had accumulated were transferred. This proves that Chase did have the necessary information to transfer the points. 

I called and emailed several times. Each time I received no help. 

Due to Chase 's error and unwillingness to rectify the error, I was forced to purchase the ticket from XXXX that I should have been able to use XXXX Guest Rewards points towards the purchase. 

In summary, Chase did not follow their own rules in providing the bonus points I was entitled. The only reason why I signed up for the credit card was for that bonus to purchase a railroad ticket for my son attending school so that he can come home over his XXXX break, ironically travelling the same day as the points did transfer. By that time I had to purchase the ticket. 

Chase should not be allowed to promote programs promising rewards and not deliver in timely manner. They broke their own guidelines and should give me compensation.
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????
I am in direr need of your company 's help. I had a few things on my credit file that I had questions about so I did my due diligence and disputed some things listed incorrectly. I thought everything was resolved until I went to a lender to purchase a home and they tried to pull my credit file and Equifax would not release my information. I contacted Equifax directly to find out why and I was told the information they have was different. They have my date of birth as XX/XX/1946 at one point they had it at XX/XX/1946, They have my name wrong and they have my address wrong. The frustrating part is that when I first started the process Equifax had certain documentation they required before they would do any type of investigation. The documenation they wanted was to prove my identity and my address. I sent them my driver 's license which reflects my correct date of birth, name and address. I also sent them a copy of my utility statement that also has the correct address. I mean really the utility company is the one servicing the address they would have the correct address for service. With that information in Equifax 's possession why wouldn't that information have been corrected? Now it's hindering my ability to make a move and this is absolutely maddening.
I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.
Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.
Received personal credit report produced by XXXX  with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I paid my total balance due on my credit card for XX/XX/XXXX ( the very day the bill arrived ) by phone payment ..by check. the message said your payment has been accepted amount XXXX. On the next bill arriving XX/XX/XXXX I was charge a XXXX fee for the balance not paid and non payment fee. so the XXXX. XXXX was added to the new charges for XX/XX/XXXX. I promptly paid the old and new amount complete by check. it is now accepted. I filed a complaint with NJ banking and insurance ( they are referring case to you via S. Case, XXXX XXXX XXXX XXXX ) and was contacted by XXXX Visa by several letters that say nothing. paragraphs about how they are reviewing it and we are not promising any refund of the XXXX. Point is I had no idea visa didnt get payment or if it is even true. they had 17 days to inform me the payment did not go through before the XX/XX/XXXX due date. I could have sent the payment again. I found out of the fee on the next bill 28 days later. I am saying that they found with the big stock market crash late XXXX the best way to charge up lots of revenue for the end of year impose fraudulent fees on customers to balance out. I am sure it is that and I will not pay the fee, but many will. This need investigation.
XX/XX/17 I purchase a photo package for {$87.00}. The company charge {$8700.00} to my credit card. I opened a dispute to Capital One. I canceled the transaction by phone and email to the company. Also I called Capital One to inform about the fraud they told me that nothing that can do. Finally, after too many phone calls to get answer. Capital One fail my dispute saying XXXX did not accept my dispute because I did not have a cancellation document. I told them I canceled by phone and also by email. I have prove for all documents and also recorded phone calls.
XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Transunion to have this account validated as I am certain the charge off being reported is erroneous. Transunion keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX using the number provided by Transunion 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Transunion for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle. 

I've uploaded several of the OFFICIAL investigation reports received from Transunion showing the same phone number and address for XXXX that simply loops you back to Transunion.
I deposit {$4500.00} into a cash deposit for my girlfriend, and Sunday XXXX stole the money intended for my girlfriend, I went back to the Wells Fargo Bank to report to them that my money was stolen by a scammer who took my girlfriend money. I made a police report with the XXXX Police Department, as well with XXXX. I want this fraud be investigated and find those out there scamming people out of their money. XXXX XXXX
Cash not dispensed from ATM but amount debited from bank account On the morning of XX/XX/2018 around XXXX am I went to a Chase Bank ATM machine to make a withdrawal. I inserted my debit card into the ATM slot, punched my XXXX digit PIN, the ATM make a fluttering sound but no money came out of it. A few minutes later I checked my bank account and saw the ATM transaction for {$600.00} debited from my bank account. I filed a claim with the bank, and Chase refunded the {$600.00} to my account the same business day. Later on in the day, I decided to go into the bank to make a cash withdrawal with a bank teller for {$610.00}. On XX/XX/2018, Chase bank withdrew {$600.00} from my bank account and reversed my claim by denying it. The claim department told me that they checked the data and found no proof of error or malfunctioning with the ATM machine. Chase bank claim department also stated that per their records, the transaction was successful. I asked the claims department if they viewed the ATM surveillance cameras and they told me no.
XXXX XXXX still trying to defraud us by charging us for the bill we already paid in full, before we left XXXX, XXXX. We also returned all equipment provided for our TV services then. They continue to defraud us for no good cause, but, finagling and Gouging us unlawfully. We definitely do not owe XXXX nothing, after my wife and I went to XXXX store to turn-in equipment and paid the rest of our bill there. I also wanted to have them stop sending my bill to my daughter 's address, rather send them to me if so desire. My address : XXXX. XXXX XXXX XXXX, XXXX XXXX, otherwise, XXXX ought stop sending out unnecessary harassment defrauding bills were already paid. 

There Address : XXXX XXXX C/O Credit Protection Association XXXX. XXXX XXXX XXXX XXXX XXXX. It was sent to my daughter 's address, since we sold our home in XXXX, XXXX
I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. 
Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.
The account is suppose to have been disputed and has not been within a timely manner!   I have no knowledge of this account.
ECSI charges a fee for individual payments directly removed from a bank account, credit or debt card payments. The only service fee free payment option is to pay by mailing in a check or by setting up automatically with drawn payments. This is insane. ECSI is making making the process of paying my loans incredibly difficult to make an extra {$4.00} each time I pay my loan. 

No other student loan lender I am currently dealing with charges this type of fee. As a person with large amounts of student debt every dollar matters and this just seems like an extra slap in the face for taking out a private loan.
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX  won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
According to https : //www.equifaxsecurity2017.comXXXX I may have been impacted by the Equifax data breach made public XXXX 2017. I have been forced to implement a credit freeze and will need to continue to monitor my credit in the future due to their mishandling of sensitive information.
EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.
We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.
There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.
Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.
PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a XXXX cell phone I never had a XXXX Cell Phone its impossible I have lived in XXXX at that time I have been XXXX since XX/XX/XXXX till XX/XX/XXXX please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person.