WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity Theft. I called Experian at XXXX XXXX XXXX XXXX. There is no option at all to talk to a live person it is all computerized. The only way to talk to a REAL person and not a computer was to call another # for there Credit Monitoring Services. So that is what I ended up doing. I called the number and the person could n't help me with what I needed because I have ID Theft and I am not a paying member of Experian. I wanted a number to call there customer service dept. they told me sorry they did not have XXXX they had to transfer me to that department in the company, XXXX minutes later sitting on hold ... I talked someone in their dispute department, not customer service department. I told the rep that I mailed in my police report ( copy ) that the police gave me when I was at the police station, copy of my driver license, a copy of my cable bill, and the form I filled out & that I have identity theft with all my information they were requesting ( per what is on their Website ). What Experian mailed me back was a piece of paper telling me that I already have a security freeze on my report ( that is because I paid {$5.00} via their automated phone system, the day I had IDENTITY THEFT to freeze my credit ), what I wanted from them was confirmation that they are aware that I have identity theft. What was frustrating about this was this took XXXX minutes to get the answer of being on hold and being transferred around from department, and also that they do not even have a regular customer service number where you can talk to a live person. The person in their fraud department told me that because I am not a member of Experian ( paying member ) there is no customer service number. Then they told me what the XXXX Police Department gave me and that I copied was no good, and I needed a Police report copy and I needed that to be sent in to be able to freeze and unfreeze my credit with no charge. So I call the police, the police public records person told me I have to come in and pick up the report ( there office is XXXX miles away from my house ) Monday - Friday, or the XXXX option was they could mail it to me and that would take 8 - 9 months. All I can say is oh my god. So if I wanted it mailed it takes 8 - 9 months to get that sent to me in the mail. That is worse than calling XXXX XXXX, and I have XXXX XXXX. That procedure is extremely unfair to the average person. I have to mail that in ( a copy of the police report ) to Experian, XXXX, XXXX to be able to freeze my credit and unfreeze my credit since I am a victim of identity theft!! What upsets me the most is that when I call Experian there is no live person to talk to and if you are not ( a paying member ) you have to wait on hold XXXX minutes or whenever they decide to answer the phone. XXXX the thing that also annoys me is that the XXXX police department told me it would be 8 - 9 months before I would have the police report in the mail. All I can say is wow! I am a victim of identity theft here and this is how I am treated. I pay my taxes. I am a contributing member of society. I am really annoyed.
XX/XX/XXXX I received the results of a background check that was taken for XXXX XXXX. On this background check it's shows that i was convicted and sentenced to the XXXX  ( case # XXXX and XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) 17.5 years on XX/XX/XXXX but it's not showing that case # XXXX and XXXX was vacated and set side on XX/XX/XXXX. I was re-sentenced to 12 years for case # XXXX to be run concurrently with case # XXXX.

I don't know if that would have changed or be a determining factor in me getting this position and/or job but the information should definitely be on there for the company to also view. The conviction is over 16 years old and i was released from the Department Of Corrections XX/XX/XXXX. Can this be reviewed and made accurate and sent to XXXX XXXX please?
Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my account!!
Received numerous attempts to collect debts alleged owed by Creditors Service Bureau, asked for verification of debt, verification of debt not provided. Was provided copy of computer print out & screenshots but nothing substantiating debts listed are legitimately owed by us or are otherwise substantiated as evidenced by numerous errors listed on print out such as ( 1 ) Last name not spelled correctly ( listed as XXXX ), our last name is spelled with TWO " XXXX '' s indicating the debtor/s were not concerned about accuracy ( 2 ) XXXX XXXX XXXX is listed as one of the parties owed money to by my wife however she has never used XXXX XXXX, my wife went to XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX during the time frame alleged she owes money to XXXX XXXX XXXX ( we were also not married until XX/XX/XXXX so i do not feel its fair to attempt to collect a debt owed by my wife prior to being married ) ( 3 ) XXXX XXXX XXXX - we used a midwife XXXX XXXX XXXX based out of XXXX, KS for medical services not the hospital system her contact info is : XXXX XXXX XXXX XXXX, KS XXXX United States p. ( XXXX ) XXXX ( 4 ) XXXX  XXXX services - we do not use them, we have a XXXX  in XXXX XXXX which is not the same XXXX
XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.
I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.
I have complaint with CFPB with XXXX account. Equifax responed they need more time to investage this acccount I feel XXXX should be removed from my equifax credit report while they investigate this because it is unfair for this to be on my credit report when I did not make these charges
Bank of America has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. BOA has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.
We have an annual timeshare maintenance fee of {$1700.00} due every XX/XX/XXXX. We also have all our taxes due at the same time and the holidays in XX/XX/XXXX. One XX/XX/XXXX, I paid XXXX XXXX XXXX {$1300.00} towards the {$1700.00} in fee 's. On XX/XX/XXXX, they added the following charges to our account : XX/XX/XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX RF  Reinstatement Fee {$50.00} XX/XX/XXXX CF Collection Fee {$180.00} On XX/XX/XXXX, when I paid the balance of {$410.00}, I noticed the {$330.00} in additional charges. The debt never became 30 days delinquent. Other than a late fee, are they legally able to charge fee 's other than a late fee if the account is less than 30 days delinquent?
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.
The call was left on my moms answering service stating my moms name telling her to have me call this phone number. My mom called me, I was on my way to work, she told me that a lady called and left a message stating that if I did n't contact them they will be issuing a warrant for my arrest upsetting her. I called the number a soon as she gave it to me so I can find out what is going on a lady answered stated that it an investigation company representing EZ Corp she stated that I took out a loan and refused to pay it back, I explained to her that I had lost my job during the time I had the loan with them. The told me that if I gave them {$190.00} right then and there they would drop the case against me, I made it to work with this person still on the phone. I asked her They could let me make the payments in installments she said no I had to pay them a {$1000.00} by XXXX. I explained to her that I had just made it to work and I did n't have that kind of money on me. I asked her she please give a week to try to come up with money she said no because they sent me out three letters. I explained to her I did n't receive any letters from EZ Corp. She told me that I closed my bank account and that was trying to avoid paying back the loan, I explained to her I did n't close my bank account the bank it closed because it was in overdraft too long because I lost my job.I asked her why do I have to pay so much money back when the was like {$500.00} she said because of the interest, I said ok can you please me give a week to try and come up with the money she said I had to pay the money right now this same day XXXX talked with her about this matter. I had to leave my job ten minutes later after arriving, because she had me so upset threating me with the police. She stated that I will be picked up at my home and that larceny by check charges will be filed against me. I begged and pleaded with this person to work with me since this was our first point of contact since pay loan was taken out. I asked her if she can get the company to work with so I can pay them back, she threatening me about the police coming to my house arresting me. She told me that the corporation did n't want to work with me they really want to lock me up. She will give no info on loan other than it defaulted at my bank. I asked her where should I send the money if I 'm able to borrow it, she stated she did n't have that information to call her back when I get the money. no later than XXXX or they filing a warrant.
I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.
In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Equifax is horrible. The lowest FICO score that I have is from this reporting agency. Why isn't there ONE method of determining FICO scores! each agency is different with Equifax being the WORST! I can't log into my report on line to dispute 2 medical collections that Equifax STILL has on my credit report, while XXXX and XXXX XXXX have deleted them! I tried to get them on the phone, but after 43 minutes on hold one time and 56 minutes another I gave up! In addition I want to know why my Equifax score is so much lower than my other two credit bureau scores but without being able to access my report, it's impossible to tell!!!!!!!! 

If the government can't do anything about having these rip off collection agencies reporting medical debt on someone's credit report, then do something about freakin Equifax at least. 

For credit card loans you know what you are getting into. You sign an agreement to pay a debt. No one signs an agreement to get sick or for their children to get sick but despite this, medical debt continues to affect your XXXX credit score and with a reporting agency like Equifax you cant do anything about it because you can't access your account!
I opened a new 360 checking account with Capital One. I attempted to connect my account to XXXX to withdraw some investments I made earlier in the year. Capital One is blocking my ability to do so and are refusing to allow me to connect the account to XXXX. I have a second checking account that they allowed me to connect and two debit cards. I told them that I wanted to withdraw my funds into this account they said they don't allow crypto currency accounts to connect with Capital One. Today 's date is XX/XX/2018. I already have a capital one checking account connected and two capital one debit cards, so if this was true than the other ones would not work. They are refusing to help in this matter. It's my right to have access to my financials by any means I see fit. I pay my taxes. My investments can be tracked as they were all done through capital one. I deposited money into XXXX and have withdrawn into capital one several times. XXXX offers tax documents for the end of year. This is ridiculous that I can not with my money back into capital one where i have done so many times before. I have broken now laws and am being denied access to my financials!
XXXX - XXXX - we have been struggling financially had auto payment set up with Citi card for {$300.00} They took {$960.00} from my bank with no authorization on XX/XX/2018 XX/XX/2018 I contacted them via chat and on XX/XX/XXXX I called XXXX. - the rep told me then that it was taken care of and would refund {$610.00} and I would pay {$350.00}. They said that would take 3 days. After 5 days {$90.00} was refunded on XX/XX/XXXX. I called again on XX/XX/XXXX, spoke to customer service and they assured me that the additional {$520.00} was being process to refund, nothing on Monday XXXX. I called and spoke to XXXX ( XXXX ) in customer service who assured me that the {$520.00} was in process and would be deposited into my account by end of the day XXXX. 
On XXXX I call again and customer service tells me that Citi cards will do nothing because I was behind - I need to make mortgage and did not authorize {$960.00} payment - I was making payments on what I could and have steps in motion to pay off in XXXX, but they will not work with me in any way. They tell me tough luck today We don't know what we will do about mortgage payment now, we are in very stressed position because of this.
Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. 
( I am also an XXXX permanent registered participant. )
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX for account XXXX, XXXX XXXX XXXX  for account # XXXX, XXXX XXXX  XXXX for account # XXXX, XXXX XXXX XXXX   for account # XXXX, XXXX XXXX XXXX   for account XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one,  Accounts XXXX, # XXXX, # XXXX, # XXXX, lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting.  MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.
I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
In the last few months I have contacted XXXX  in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS