WillisBack/dataset-financial-user-claim huggingface dataset:
Friday morning on the XX/XX/XXXX I returned home early from work to call the manager XXXX XXXX to see if I could come and get my title so I could get my tags at the secretary of state that day. she tells me they didn't receive a title. I then call XXXX XXXX were the truck was purchase from to huntington bank. A lady name XXXX XXXX at XXXX said they sent the title and other documents on XX/XX/2018 and that someone at huntington bank name XXXX XXXX signed for it on the XX/XX/XXXX and that she would seen me a copy were he signed for it. I got the information and call XXXX back no answer no return call Friday so I went up there to Huntington bank Saturday morning she wasn't their, I talk with another branch employee name XXXX he new about the title situation and said he would look for it wild I was there and said he would call XXXX XXXX and leave a message for him to contact him or contact me concerning the title. I left the bank and call the main office of Huntington to see if they could help me get my title, they tells me that he's on vacation and that they would contact him by phone and email for him to contact me or the bank about the title, I never heard from him from beginning to the end of this situation, and time was running out. I was told to go to the social security office and they would directed me to apply for a lost title on XX/XX/2018, in the mean time I was back and forth at the bank I talk with XXXX at the bank on Tuesday XX/XX/18 I ask about where was XXXX she says he didn't come to work Monday and if the title came they can not leave documents laying around they would have to shred it they can't keep documents in that office.I received my lost title on the XX/XX/XXXX, by mail and XXXX  for next day for XXXX to XXXX to start the process all over again. I receive my title back on XX/XX/XXXX XXXX XX/XX/XXXX..
Paypal notified me that I had the option to use the feature called pay after delivery. They also indicated I could turn on and off the feature as I wanted. This is untrue as now I 'm being told the system decides if I can or can not use the feature and there is no way to know until after I make a purchase even though my PayPal account says the feature is on. Its only fair that a consumer should know in advance what payment options are available to them before they purchase an item not after. It 's almost like a bate and switch. I bought the item believing I had been given 14 days to pay, then when I go to check out the payment option is switched to pay immediately. Then the next time I might buy an item thinking I 'm going to pay immediately the system decides to put it on pay after delivery. The consumer should be deciding how they want to pay for their purchases and know what options are available to them before they purchase an item. This is unethical and untruthful lending practices!!
I was part of the XXXX security breach. Not only is Transunion making it almost impossible to actually freeze my credit they are instead encouraging me to purchase their identity protection. It is bad enough I am going to have to pay for a credit freeze, but I have to jump though many hoops to do it. Freezing your credit should be basic and free considering you are forced into this system of having credit to pass a background check or purchase a home or car. Thank you for taking the time to read this complaint.
I submitted a credit dispute to bothe XXXX and Experian for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX & XXXX PA for a collect account found on my XXXX and Experian credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XXXX/XXXX/3018. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.
Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail  which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to XXXX since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX
I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused, asked them to stop calling, and requested written notice of the " matter '' they are calling about. The caller hung up without verifying my address. Since this incident, I and my family members have received numerous calls.
Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and XXXX refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX  for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/XXXX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX Promotional Inquiry
Like many Americans, I have been getting up to a dozen robocalls a day offering everything from new windows to mortgage loans.
Today I got a call on my cell phone number from a XXXX area code, but it was someone who was clearly from overseas, offering to put me in touch with someone to talk about getting a mortgage loan.
Within 60 seconds of hanging up, I got calls from at least half a dozen callers, presumably mortgage companies. One of them was Quicken Loans. They claimed that I had generated the lead by filling in an online request. This was not true.
I asked to be transferred to the compliance department and spoke with XXXX XXXX ( direct dial : XXXX ).
He said he would take my name off the Quicken Loans list. I asked him why Quicken Loans is buying leads from such a company and he did not know. Companies like Quicken Loans are enabling these kinds of robocalls that are plaguing Americans throughout the day. XXXX XXXX XXXX
I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.
AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.
A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.
On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.
XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.
There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.
I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.
Citi bank contacted me to report fraudulent charges in my CC 's. They stated I am not responsible for the charges. Bank refuses to authenticate me and insists on collecting copies of unrelated documents ( DL, utility bills, social security card ). Bank has reported account as unpaid to credit bureaus despite locking the accounts and refusing to speak with me. Bank will not accept my billing address or phone number on file as authentication despite them matching my credit report. Bank refuses to issue a check for my rewards cash points.
I received notification via my credit report that I owed American Medical collection agency with account # XXXX. I did not open any letters indicating that I had an account with this company. Recently my daughter died XXXX on XXXX XXXX, 2015. I had incurred many medical bills from my daughter while she was alive and for 4 months both my wife and I did not have any income, which enabled us to care for our daughter. The collection agency indicates they have sent us letters but I do not remember ever opening a letter identified by AMCA. My family and I have recently been able to be better situated to pay for our debt, thus when I noted this agency on my credit report I immediately called and verified this debt and payed for it. After payment I asked this agency to remove the debt from my credit report, at which point they informed me they could not.
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.
I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!