WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Equifax stating that my personal information was included in the Equifax Breach. I am unable to access my Equifax credit report on the Equifax website anymore. In reviewing my Equifax report, I noticed that I had XXXX inquiries that were not authorized and they are the following : XXXX/XXXX for XX/X/2017 which was previously removed and placed back on without my knowledge after my previous dispute, and also XXXX XXXX-XXXX. I am requesting that those XXXX inquires be removed as they were not authorized. Also, I have 2 accounts that need to be removed as they have been unverified and I do n't have a contract or any knowledge with either of the following creditors : XXXX/XXXX totaling {$450.00} and XXXX totaling {$370.00}. Also, XXXX is not reporting a correct balance and I have never been late on this account so the late remarks should be removed. The correct amount for XXXX should be {$380.00}.
I called XXXX XXXX clothing store customer service line on XX/XX/XXXX concerning my credit card with them through XXXX XXXX. I advised them that I requested a new card be issued to me approximately XX/XX/XXXX, but still hadn't received anything from them. She advised that they sent a new card out, but it was sent back to them because there were address issues. I confirmed my address, and she advised that I called in yesterday from a store requesting my address be changed to another address. I advised I hadn't called them since I initially reported my card lost/stolen, requesting a new card, but hadn't received it. She then sent me over to another team, which is the account services, I went through a series of questions, and answered all of the questions correctly, and they were going to issue me a new card. The call was disconnected. I then called back in explained my situation, and got a rude lady from account services, who wanted me said there were concerns on my account now, and I had to mail in a photocopy of my driver 's license, a front and back copy of my social security card, and a copy of a bill with my address. I explained to her that it wasn't necessary from the last person I spoke to in her department. She proceeded to talk over me, so I asked to speak to a supervisor. Some guy got on the phone asked for my information, I verified all of the information that he asked for, and he placed on a long hold. He came back, and asked me more questions about my address, and I gave him all of the same information I gave him, and the other the last two times in speaking with them. He said unfortunately in order for me to have my account reopened and a card reissued I would have to send in those items. I explained that's a security risk with me mailing in a copy of my social security card, and my driver 's license address isn't going to match, so how is that going to do anything? He could explain their security policy. So I requested that my account be closed at that time again, as I asked the lady before him to close my account. He advised that they could not close my account without having the requested documentation. At that time, I again asked who sends their Social Security Card through mail. I advised I answered a series of security questions that verifies my identity, so what is the problem. I asked if there was bank I could walk into to verify my identity, and he again stated no, and there isn't anything else he can do to help me without sending in those documents. He also stated during the call when I asked if it could be closed, he said after 30 days, it would be closed, and I could reapply. I said, that doesn't make any sense, and now you all are going to effect my credit because you all have poor security measures, by letting someone walk into a store and change my address, without my consent, and now the owner of the account is trying to update information, and I can't. There was no resolution, so I disconnected the line, and proceeded with this complaint.
I received a call at approximately XXXX MST from XXXX XXXX this is after a call was made earlier in the day at approximately XXXX MST. I advised the company at that time I would not be able to make any kind of arrangements but fully understand collection efforts would continue. My issue is receiving the second call in the same day and the representative XXXX saying she in fact noticed a call was already made without confirming who I was. I feel this is very harassing and hope to take this as far as I need to make sure it doesnt happen again.
This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless
My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.
Bayview Loan Servicing repeatedly calls our home phone number for an XXXX XXXX. On at least two occassions I have spoken with a operates who have assured my this number will be removed from their records because there is no one at this number named XXXX XXXX. I was assured our number would be taken out of the calling queue. Dates of my call were Monday XX/XX/XXXXand XX/XX/XXXX. One the most recent call, I even told them unless they quite calling, I will file a complaint with the CFPB. Thanks for your help.
My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.
This compliant is against XXXX and XXXX  XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have  contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX  and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. 

I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
I received a notice of an debt collection for a company I did not owe a debt to. I called the debt collector to request information and contacted the original creditor, named  XXXX   XXXX . This is a company I have placed orders with through the name of  XXXX   XXXX   XXXX  and have my own account on automatic payment. I was told that the order I received debt collection information for was for an account and a name that are not mine.  XXXX   XXXX  sent me the invoice with information regarding this order, and it 's for another individual in my apartment complex with a different account # than mine.     I have attached the invoice, which has a different  A  mount Due (    XXXX   XXXX   ) than the debt collector,   XXXX  , is attempting to collect. The name on the account is not mine (  XXXX   XXXX  ), and the account # is not mine.     I have attached an accurate invoice for an order that was mine placed in  XXXX , along with the proof of automatic payment on my credit card that was charged for that order. I have also attached the paperwork sent from  XXXX  regarding the order that is not mine and for which the debt collector is attempting to collect on. Further, I have attached a copy of my accurate order history, which shows that no order was placed on the date of the invoice, on my account.     My multiple attempts to work this out with the debt collector and with the credit reporting companies have not been successful.  XXXX    XXXX   agreed that the order was not mine and said they would cease collection practices for an order delivered to my apartment complex but not to me and not placed by me. Please help settle this matter by removing the fraudulent collection from my reports and demand the debt collector to cease and desist. The actions of this company are illegal, as are the failure to properly verify the authenticity of the debt by the credit bureaus.
I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.
Company Details : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Ref Person : XXXX Description of Incident and Identity Theft : I have a company named XXXX XXXX  in XXXX Texas who have sent me pre-qualified check without my notice and I didnt asked for to my old address, which was cashed by someone else on my name. It was reported to all three credit bureau by the company XXXX XXXX  under my credit which is effecting so badly. 

I have already contacted the XXXX XXXX upon this 4 months back and the above incident happened in XX/XX/2017. Till now the incident is not cleared from my credit and company is deliberately delaying the entire process. I still dont trust this company. I need some help in dealing with this XXXX XXXX 


I request you to take action against this company due to the following reasons : 1. I have never asked them to send me a prequalified check/check without my notice. 
2. No financial company sends directly a check to cash a loan under any circumstance without prior information to the person.

3. They have used some this script tracing to find my current address and contact which is illegal.

4. Upon all these also they are not responding properly I think this is a fraud company who collects personal data.
I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX
This is about the Flexible Spending Account card from ADP. This card is funded ( pre-tax ) directly from my payroll. The problem is with ADP ( servicing agent ) when is used. IRS policy is that employees can then use funds to pay qualified medical expenses not covered by their health plan, including co-pays, deductibles and a variety of medical products and services ranging from dental and vision care to XXXX and XXXX. ADP asks for a validation every time is used. If you do not send the validation request, they can block your card with your money unilaterally without concessions. The problem is that this card is for health problems including emergencies. My problem started when my wife had problems with her XXXX. We went to a XXXX ( recognized XXXX ) and the doctor gave her a XXXX. we paid with the card which is for medical products and services ( as stated ). Later, ADP requested validation via a letter and I send the ledger I received from the doctor 's office. Even that I comply with the letter ADP sent ; they still blocked the card and when I had a medical emergency for my son, card was declined with my monies. I called them and it was then when I found out that they now require a signature of the doctor on the ledger. This was never addressed before and this is the reason I 'm seeking for your help. I feel impotent with almost {$1000.00} dollars of my money in the card unable to use it because they now are requiring a letter from a doctor who charges for any consultation and is not easy to obtain. 
Please find attached letter from ADP requesting validation and the validation letter provided. Finally ; when I called ADP, there was a survey on customer experience, they cut the line before I can relate my satisfactory or unsatisfactory experience. I hope you can help or let me know who should I go with this because I 'm sure I 'm not the only one suffering from this.
Transunion Credit agency, for 3 months straight has downgraded my credit rating, by removing 3 times now my XXXX XXXX XXXX  accounts, each that I have had opened for 4 years now ... andf have always been on time and A rated credit, both carrying a {$0.00} balance and XXXX lines of credit accordingly, last month i disputed their removal of these accounts in good standing, now again they removed them again ... the bank verified that they did in fact report the credit to all 3 Credit monitoring agencies, XXXX   and XXXX have this account listed and in good standing. 

On the XXXX I applied for vehicle loan with XXXX XXXX, was approved..today my loan value due to decreased fico score, has been raised an extra XXXX in interest due to credit rating, enough of this XXXX ... Transunion has held no credible response, nor response of repair and clearly violated my credit rights..please fine them
On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.
I demand verifiable proof ( an original Contract with my signature on it ) verifying the account was late in payments. They were never able to show physical proof of that, because I always had my payments made thru my checking account and on time.
On or around XXXX XXXX i thought the illegal deceptive website XXXX listed itself under a paradim, deceptive fraud pitch that its free or Only {$1.00} for a free report, but after the data was taken, from Me ( idtheftvictim ) _then i was rushed with a ( " you_owe_bill ) XXXX $ but i didnt order, knowingly consent, agree, ,to the Charges or the setup basically, it was XXXX, purported, transunion was the free creditscore/report, then came a last min quick bill, with auto sales fake dealers whom had to give, share, sell my data, social to all or, and each other illegally now, after calling. speaking to XXXX. XXXX then to XXXX badge number # XXXX he solicitated nonstop for my social security number full address, idcredit card number, etc, as first Operator basically after solicitating for all sensitive sacred data, he said '' until u give To confirm the order info ( they falsified order numbers ( XXXX ) of XXXX dollar but that 's Not what they took from my XXXX card {$36.00} &, change overage fees, this company took advantage of me too as XXXX on computer in goodfaith, trying to get credit score.only foreignor. Hispsnics answering.very mean abusive. XXXX California. Lets shut emdown
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed
I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.
On XX/XX/2017 Transunion finally deleted a medical account that was wrongly reporting. They were the last of the three to delete the account. Recently the account was added back on to the report bringing my score down. I sent them a 5-day rescission letter asking them to remove the account and they did not. It is still on my report, and I would like for them to remove the account permanently. I am attaching the deletion letter I was sent from Transunion on XX/XX/2017.
When first contacted months ago I explained that I have no income, that I will represent myself in the court. 
I continue to receive calls. 
Phone calls continue. I declined to give personal information without knowing the identity of the person calling. 
I phone back several times only to be treated disrespectfully because of my severe hearing impairment. 
Next phone call I was placed on hold for one hour and twelve minute and finally gave up. 
I sent a letter dated XX/XX/2019 explaining the above and told them to stop phoning me and to only contact me by certified return receipt U.S. mail. 
KeyBridge XXXX XXXX XXXX XXXX XXXX, OH XXXX
Dear Supervisor, Today I went to my branch to remove the excess funds from my account which has been closed. Prior to my account being closed there was {$1000.00} deposited! I desire the account closed and for my excess in funds mailed to me as soon as possible. The branch told me to call customer service in XXXX Oregon. Because they had nothing to do with the account? This doesn't make any sense but customer service on the phone told me to go to the branch. It seems no one is aware of the proper procedures. 
Just return my excess funds in the account as soon as possible.
I am writing to dispute XXXX on credit report Membership ID number XXXX. The " balance '' and " past due '' listed on the account is incorrect. Please delete the account.