WillisBack/dataset-financial-user-claim huggingface dataset:
Company at center of complaint : XXXX Issue : I received an email notice from a debt collection company about a XXXX bill from when I closed my account. How did my bill get to collection when I have gotten not one email or piece of mail from XXXX  about my account and its remaining balance if there was one. I have no issue paying my bill, but to ruin my credit when Im trying to rebuild it without notifying me I owe them is a problem. They need to undo this collections and allow me to pay them fairly. I called to resolve the issue three times and they have either told me they will transfer me to a manager and send me to their voicemail, complain that the line is bad and that they will call me back or put me on hold and the call magically drops.
Customer with complaint : XXXX XXXX
Capital one has an app that monitors my credit score. I see my score improve, I apply for a credit line increase and DENIED every single time. I have had on time payments for over 6 years. My income has steadily risen during this same period. So why am I DENIED? Age? Veteran status?
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have  Simple  Bank and the keep failing to report my transactions to my   XXXX   XXXX   account regularly..
1. XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Care Credit, aka Synchrony Bank, GE Capital bank. I have a current open account with them that was initiated because my dentist recommended it to pay the balance of my dental procedures. This account is charging 26.99 % interest for years and they will not work with me to lower the interest even though I have excellent credit records for the last 15 years. I went through dept mgrs, calls over 30 minutes, and was treated like dirt. please help!!!
I have more then 15 years that i dont have a credit card, or bank loan, i triyed to get an apartment and they told me i cant get cause my credit is bad, i used to have credit card in 2001 an i paid them all i want to know whats is the problem that i have
Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.
Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX
Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.
I opened a Bank of America Travel rewards card around XX/XX/18, and earned XXXX rewards worth about {$630.00} On XX/XX/XXXX I got a letter that my account was shutdown, by their credit department.

I called to try to use my rewards and I was informed that they were lost.

I am filing a complaint because I want my rewards that are rightfully mine
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.
I opened a new checking account on XX/XX/XXXX with TD Bank located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had opened a new account due to a fraudulent check being cashed on XX/XX/XXXX under my previous checking account with TD Bank that I had open since XX/XX/XXXX. My bank account was originally handled by XXXX XXXX and was taken over by TD Bank. The fraudulent check has been reported and is currently under investigation with TD Bank. I had closed that account on XX/XX/XXXX and opened a new checking account with TD Bank. I was also issued a Debit Card in the bank that same day. I then did not use my debit card anywhere until XX/XX/XXXX at the ATM in the bank located at XXXX XXXX XXXX, XXXX. I then received my bank statement for the new checking account in the mail on XX/XX/XXXX and discovered 11 fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MD totaling the amount of {$360.00}. I contacted TD Bank on XX/XX/XXXX to file a complaint where I spoke with XXXX who advised me the charges at the pub totaled the amount of {$400.00}, and that money would be back in my account within 5 business days. On XX/XX/XXXX I went to TD Bank and spoke with XXXX XXXX who issued me a new debit card. On XX/XX/XXXX I went to a XXXX XXXX Police station located in XXXX on XXXX XXXX XXXX XXXX, XXXX, MD XXXX to file a fraud report with XXXX XXXX # XXXX. He told me that he would go to XXXX XXXX XXXX to check if they had video surveillance. On XX/XX/XXXX I went to the bank and they told me the fraud claim was denied. I acquired the police report number from home and went back to the bank to have them take a copy. Following that I was issued an ATM only card and the girl cut up my debit card. I did receive the ATM card in the mail. On XX/XX/XXXX I went to TD Bank and requested the denial in writing. On XX/XX/XXXX XXXX XXXX called me from TD Bank and told me it was denied because the chip was presented at the pub. He said he had the denial in writing for me to pick-up. On XX/XX/XXXX I went to the bank to pick-up the denial e-mail that XXXX received. The email was from XXXX XXXX of the fraud department and she stated that the reason for denial was that chip cards can not be counterfeit at this time, so the card must have been present. It read the pub was 25 minutes away from my home address, and no decline attempts were made with the card after it was closed, leading them to believe the person who used the card knew it was closed. It should be noted that no other fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX when I reported the fraud to the bank. I spoke with Manager XXXX XXXX who told me that there was nothing further they could file since the chip card was used at the location. I asked if it was possible an employee at the bank created a second card and used it and he told me that it was not possible. I have since found reports online of TD Bank employees creating second debit cards on customer accounts.
I went on Freedom Mortgage 's web site to pay myXX/XX/XXXX mortgage payment on XX/XX/XXXX. The site did not take the payment so I called Freedom Mortgage and they told me to resubmit the payment on XX/XX/XXXX. On Sunday XX/XX/XXXX I went to XXXX XXXX to get cash from my ATM and noticed my account was {$910.00} over drawn. I went home and checked the Freedom Mortgage site and determined that myXX/XX/XXXX mortgage payment was paid on XX/XX/XXXX andXX/XX/XXXX, duplicate payments. I called Freedom Mortgage Monday, XX/XX/XXXX and they would not reverse the duplicate payment so I'm filing this complaint.
Paypal reversed promised PERMANENT credit to create negative balance of {$62.00} in an attempt to refuse to allow me to remove my bank debit card attached to my exempt Social Security direct deposited funds. I've since received a threatening collection email from Paypal, to which the negative balance will add collection fees, a motive for the permanent credit reversal.
I had been contacted recently by XXXX University XXXX at XXXX, that I was being sent to collections over an old parking ticket. For reasons I do not fully understand. I remember contacting the college about this after receiving the letter asking for verification of debt and immediate cease and desist. I also got the name of the collection agency and instructed them no contact. I then received an official looking envelope, color XXXX. The only type of letter that is blue is a summons or a lawsuit paperwork. For a collection agency to mail a letter to an alleged debtor in a blue envelope and an incomplete unverified address may be violations of the Fair Debt Collections Practices Act ( U.S.C. Title 15 ) and various Student Privacy Laws as amended. This document resembles a tax document or income tax refund check. 

In addition, this document looks like a summons because summons documents possess barcodes similar to this. In addition there is a return address of XXXX XXXX XXXX XXXX, XXXX XXXX and a postal permit address in XXXX XXXX, XXXX So this is deceptive. ( Title 15 U.S.C. ) In addition, I had already requested no contact except from XXXX XXXX XXXX or the collection agency. 

I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.
I applied for a mortgage loan from Atlantic Bay Mortgage through XXXX XXXX. I was told by XXXX that I was denied for the loan because a new law was passed that stated that mortgage lenders had to use 1 % of the borrower 's student loan debt towards their debt to income ratio and that caused my debt to income ratio to be too high to qualify for any type of mortgage loan. She advised that I would receive a denial letter in the mail explaining everything. I did receive a denial letter in the mail, however, the denial reason stated that I withdrew my application, which was not true. I emailed XXXX about this and she has yet to explain why that denial reason was used. She did however state that she would send me another denial letter which I have yet to receive.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. Inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
My husband and I paid for an Inspection in our home. It was for an FHA loan. Everything was good then they told us they could not complete our loan Untill XXXX due to and FHA rule we called HUD and found out they were doing it wrong so we took our business else where. They never logged out inspection and the cancelled it so the other company could not use it.
Equifax refuses to process a request to block fraudulent charges from credit report despite receiving all supporting documantations
I am trying to save my home from Foreclosure, but Nationstar is still just giving me the run-a-round and I am requesting that the CFPB take a more active role in forcing Nationstar to treat me fairly. I have an FHA loan. My income was reduced due to a reduction of income even though Nationstar claims that they want to help me, that 's the exact opposite of what they do. First, I have submitted a request for mortgage assistance and all of the documents that have been requested. However, Nationstar continues to lose my documents and keeps asking me for the same documents over and over again. How can they lose them? I fax them, and I get a confirmation. I have them emailed, and we get a confirmation ... What can I do if they keep losing what I send them!? 2nd, I 'm told that XXXX XXXX at XXXX ext XXXX is my relationship manager, and single point of contact. However, When I call this number, she is never available and I have yet to receive a call back. Also, when I speak with someone else, I always get different information and most of them are rude. Third, I received court documents to attend a foreclosure hearing. It is my understanding that when Nationstar is working on helping my save my home, then they should stop all efforts to foreclose on my home! I feel that Nationstar is purposefully treating me unfairly. They received $ XXXX dollars from tax payers to bail them out, and they continue to just jerk homeowners around. As I research Nationstar online, I see that they have been fined a lot for misconduct on the way the treat homeowners. Please help me NOT become one of their statistics. I want to save my home. I 've researched the public information on FHA loans and I qualify for help. Please help me get treated fairly.
XXXX called my mother who lived in another state and told her that the police were looking for me and something about me going to court and that I needed to call them asap! and They told her that they had been to my house a few times and failed to find me!!!! I have called them and asked them to stop calling me so now they are calling my family members
I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my XXXX Credit Bureau file in 2012 to have it removed.
I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked
I filed a complaint under number XXXX. I still do n't have all my escrow refund. It 's been three months. I am tired of calling the company, I am tired of the excuses, I am tired of the lies they send back as explanations, I just want my money!
I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck.
AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to me.