WillisBack/dataset-financial-user-claim huggingface dataset:
I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX  XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
On X/XX/2017, I attempted to freeze my credit on Experian 's website. Was told without reason that it was unable to do so. However, the {$3.00} processing fee was accepted and processed via my credit card as I received a notification of this on my cell phone. I want to know : 1 ) Specifically why my request to freeze my credit did not work, given the same information was provided to both XXXX and XXXX and they were able to freeze my credit immediately, and 2 ) Why, if Experian was not able to freeze my credit, was the {$3.00} fee accepted? 
3 ) Why is there no Experian phone number to call for questions. All that was provided was a PO box where to send additional documentation. 

Entire excerpt of what I received after attempting to freeze my credit via their website : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, previous addresses for the past two years and any applicable fee as indicated below. If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency, the fee will be waived. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request electronically at XXXX. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

If you are paying for a security freeze placement, enclose your check or money order for {$3.00}. 

Mail this form, along with payment ( if applicable ) to : Experian Security Freeze PO Box XXXX XXXX, TX XXXX ''
I was enrolled in a credit protection program through my Macys credit card. I opened up my Macys account several years ago and last month I got a letter saying I would be enrolled in a credit protection program. If I did n't opt out, my account would be charged a percentage every year as part of the program. I called Macys customer service and asked how I was enrolled in this service. The woman first said that I signed up for credit protection when I got my Macys card. I told her that I 've had my Macys card for several years and only received notice last month that I was enrolled in credit protection. She then said that this service was added to all accounts, letters were sent out informing customers and if they did n't opt out then they would be enrolled in the program. That if someone did n't receive the letter or it was lost, they would have no way of knowing they were enrolled until charges started showing up. I told that I think this is illegal and would be reporting it to this Bureau.
XXXX-Direct deposit for {$770.00} for the date XX/XX/XXXX was held until after XXXX XXXX  and bank did not release access to funds. Customer service and a branch manager downtown was called ( total of 3 calls ). Everyone initially said they could not see direct deposit or was employers fault FINALLY branch manager said just wait until tonight should be there by XXXX XXXX. Why are they holding funds for a full business day-same employer has deposited check for 6 years XXXXAutomatic bill pays for XX/XX/XXXX were not posted until XX/XX/XXXX XXXXAutomatic withdrawal fee of {$43.00} for XXXX of was rejected. Total transaction was {$75.00} but {$43.00} was setup to come from UMB account. At that time UMB account was over {$800.00} but they did not pay. Fee from merchant charged. 

Also here is email from XXXX : Instant Transfer payment Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$75.00} USD Reason : Your bank reported a problem. Please contact your bank 's customer service. If you still need assistance, you may contact XX/XX/XXXX Check for {$240.00} not cashed balance was $ XXXXthis resulted in a fee from UMB and other bank Also should of been paid on XX/XX/XXXX this is deposit they held until after XXXX XXXX  and historically paycheck for last 6 years always posted Thursday night before XXXX before this week. 

All these also happened after I filed an official complaint against the bank
I made and a purchase on the XXXX XXXX, later on XXXX XXXX I canceled my order and was told nothing will be shipped and that they would only give a very small partial refund which I refused stating I would just bring it up with my bank. After that, I contacted Wells Fargo and filed a complaint and was flatly refused a chargeback despite the fact that I paid and received nothing in return. So I spend {$1200.00} and get nothing in return and thats ok?
On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX
I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to Experian, XXXX   or XXXX  online, I can not seem to be successful as each one causes an error.
I noticed incorrect information on my credit report that belongs to someone else. I reached out to the company to dispute the information, but when they were done with the dispute they did not remove the information from my history.
As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.
I am writing to report Portfolio Associates for harassment and making threatening statements. 

On XXXX XXXX, XXXX, I received a call on my home phone but did not recognize the number. I called back and found it was Portfolio Associates calling about a debt which is more than 12 years old. The debt was disputed but never resolved and since has been expunged from my credit history. I explained to the representative ( I believe her name was XXXX ) I was not going to pay the debt and instructed her to place a " do not call '' on my account. XXXX stated she would do that. Since that time, I have continued to receive several calls a week. Many of them placed twice on the same day. I have a record in my caller ID log. 

On XXXX XXXX, XXXX, I sent a registered letter to XXXX XXXX, Human Resources Director. I told XXXX XXXX I did not want any further communication from Portfolio Associates ( mail or telephone ). The letter was delivered on XXXX/XXXX/XXXX. I have delivery verification. 

After the letter was received, several more calls have been placed to me. What they are doing is phoning under an ID which does not specify Portfolio Recovery. I do not answer the phone then call them back and it is Recovery Portfolio. On XXXX XXXX, XXXX, at XXXX XXXX the ID listed XXXX XXXX XXXX at XXXX XXXX XXXX. I spoke to a representative. I told her I was not to receive any more calls and she tried to argue with me but I hung up. On XXXX XXXX, XXXX at XXXX XXXX the ID listed the caller as XXXX at XXXX XXXX XXXX. I called back and could not understand the representative 's name. I told her I have written a letter stating I am not to be contacted in any way, shape or form. The representative looked up my account and stated there were not any notes on it saying to not call me. I explained I do not owe the debt and the representative asked if I had paid the debt with XXXX XXXX to which I replied it was irrelevant. I told the representative I filed a complaint with the FCC and what they are doing is considered harassment. She stated she would send a notice to the dispute department. 

On XXXX XXXX, XXXX, I received a call from XXXX, XXXX at XXXX XXXX : XXXX XXXX XXXX. The representative identified himself as being from Portfolio Recovery. He stated he is trying to collect an old debt and read a disclaimer stating I can be sued in court. I told him this is the 4th time I have stated I do not want any calls. Further I explained I sent a registered letter which was received. The representative stated it is not in the system. This is precisely what the representative on XXXX XXXX stated. The letter was written on XXXX/XXXX/XXXX and received on XXXX/XXXX/XXXX. 

I wish to file a formal complaint against Portfolio Recovery for harassment and threatening to sue me for a disputed debt more than 12 years old which I do not owe. I am unfamiliar with this process and would appreciate notice of how I am to proceed. 

Thank you for your time with this. 

XXXX XXXX
I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.
Experian was notified of the identity theft that I have been a victim of since way back in XX/XX/2018. I have a security freeze on my Experian Report, have sent in Police Law enforcement ID theft affidavits. I have provided proof that I am a victim of Identity theft this only occurred after my wallet was stolen. Not only are they authorizing these fraudulent accounts to be placed on my Experian credit report, They were notified that I did not authorize these accounts to be opened. I requested this account be blocked in particular because I have never received a single piece of documentation from this company. I have never been in any of their branches, never signed anything and the address they show that opened this account XXXX XXXX XXXX XXXX, Tx XXXX was never my address. I have notified the creditor. I am attaching my Identity theft Affidavit below once again. I called and spoke to Experian Fraud specialized services department whom located my identity theft affidavit. I advised them I have never done business with XXXX XXXX, and that the account only appeared after my wallet was stolen and after my identity was used unauthorized. Experian Refuses to block the fraudulent XXXX XXXX account and advised me there is nothing they can do. This is not my account. I did not authorize this account to be opened, I never received any information from this creditor. I never signed anything for this creditor. I never authorized anything verbally either. That's just it the account was only opened after my wallet was stolen by THE THIEF that stole my identity. Please Review Experian 's practices as they do not seem concerned about victims of Identity Theft. They are not following consumer laws.
We fell behind on our mortgage back in XX/XX/XXXX. To save our home we filed for bankruptcy. During the bankruptcy the trustee sent payments in however the bank posted them as principal payments instead of monthly payments causing us to go from 3 months behind to 10 months behind. I attempted to dismiss the bankruptcy back in XX/XX/XXXX but did not qualify. I then decided to apply for loss mitigation assistance from our lender so we could exit the bankruptcy and be on track with our payments. I have since applied once a month for the last 6 months. Each time we were either not told what was needed to complete our application or were told additional info was needed but was not provided enough time to submit prior to reaching our application closing date. We are now facing foreclosure proceedings to start XX/XX/XXXX. I have made every attempt and provided every piece of documentation needed by our lender and they still closed all 5 of our applications as incomplete. I could never get a straight answer and or could never reach out point of contact to discuss the issues.
we have a motor home account thru Santander Consumer USA. Our payment was due XXXX. I called their customer service on Monday XXXX and stated we had not recieved an statment/bill. They stated the statements are generated on the XXXX of the month. No date when they are really mailed. As a rule we recive the bill 1 week or less before it is due. There is no postmark on the envelope, so we can see when it is mailed. I believe there is a minimum time set by the government or banking industry to prevent this problem. Should n't a person have more time? Please Help
I signed up for automatic debit to save 1/2 % off my interest rate. Navient still is not taking the payment, and it is causing me to have late payments.
I am submitting this dispute on XXXX XXXX XXXX that is reporting on my experian credit report. This bank is reporting the account was opened in XX/XX/XXXX.This account had fraudulant activity on it and I reported it back in XX/XX/XXXX to XXXX XXXX XXXX that there was fraud. It has been proven and deleted off my other 2 credit reports ( XXXX and XXXX ) however experian is still reporting it. It is also reporting then it stops reporting for 2 years XX/XX/XXXX/XX/XX/XXXXthen they start reporting again then off again. This is completely wrong as having this incorrect information on my experian credit report is affecting my credit score in a negative way. I 've tried to resolve this issue with experian but to no avail I get nowhere. I want this account removed off my experian credit report. I should not be held liable for an account that was fraudulant.
Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this.
After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.
Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.
My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.
I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!