WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is on the credit card practices of Kohl 's department store and the attempts made to report fraudulent activity. On XX/XX/XXXX, I received a notice from Kohl 's department stores ' fraud investigation team regarding an application using my social security number. I contacted the team immediately to report that I had not applied for credit and that the activity was fraudulent. They asked for me to provide personal details such as name, address, last 4 of SSN in order to open a case. I refused to provide that much detail and they suggested as an alternative course of action that i report the activity to the credit bureaus and establish a credit freeze. I ended the call and promptly contacted one of the credit bureaus to report fraudulent activity on my account. They provided a confirmation number and i received messages from all three bureaus noting the fraud alert was in place on XX/XX/. After this time i received an order of pants from Kohl 's and i contacted them again to report that this is fraud and they issued a return merchandise order. The order was picked up by XXXX around the XXXX. 

I just received a bill from Kohl 's with several hundred dollars in charges on this fraudulent acocunt. I called their fraud line again and tried to report this case as fraud, but they insisted on collecting all my personal information. I provided my name, address, and last 4 of the social security number and they insisted on having my email address as well before they would open a fraud ticket. I was very reluctant to provide this personal information in the first place and refused to provide the email address. I requested to speak with the service rep 's supervisor, but she refused to do so without me providing all my information, e.g. email address. I also asked for them to provide me with a mailing address to their president and they refused to provide this information. 

In this day of information security breaches, these company 's should not be asking for my personal information to load into their systems. I am trying to do them a favor and notify them this is a fraudulent account, but they won't take action or open an investigation and cancel the account so they don't incur any additional charges. It is unconscionable that they should be able to operate in this manner and i will take legal action against them if they damage my credit standing after the attempt i've made to remedy this situation. 

I specifically ask for the CFPB to take action against this company and other credit card vendors to establish rules around the information they are able to collect from honest consumers reporting fraudulent activity. The company 's should not be able to gather and retain this information only for their benefit and continue making arbitrary rules to collect even more information from victims of fraud.
I sent a dispute letter to Account Brokers for a medical debt from  6 yea rs ago requesting validity of debt. They responded by serving me a pattern interrogatories unde r CRCP 369 le tter. No court date was listed on the letter and it was not signed by the court. The women who served me at  XXXX  at night threatened that if I did not comply, that I would be arrested. The case number they had listed on the letter was from XX/XX/XXXX   T his is not only an illegal threat it is also in violation of the  SOL in   Colorado since the debt is from    XX/XX/XXXX .   Also, falsifyi ng information.
This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...
Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.
I have contacted Experian credit reporting agency regarding incomplete, missing and no data for certain time periods on my credit report, also late payment on a charge off account. After my dispute, they have decreased my credit score and have added negatives on all three of my accounts, one which is paid and in good standing, one that I am currently paying on time and the third I will be sending a goodwill letter to and make necessary payments. I have called them about this but they seem to be deliberately trying to hurt me.
In XXXX 2015 I started to have major Problems With Barclay Card US MasterCard. I was a few hours late on my paymehnt I was charged a late fee and had called in and emailed the Customer Service XXXX. I was over my limit and i was charged Late charges and Overlimit Fee charges over XXXX I emailed and spoke to the Customer Service Center and they refused to help. Finally I contacted the XXXX to see if they could help and I spoke to a Customer Service Agent and she was very rude I felt that she was discriminating against me and did not take the time to help. She was very Prejudice against others. All on want is removed off my credit report and I will go to a differnt company due to Barclay Card being didcriminating against others.
After reviewing Virginia Law in regards to these predatory loans I contacted XXXX XXXX and uploaded documents asking them why they are continuing to take these payments from my checking account since this loans exceeds the 12 % interest maximum in Virginia and that I had already paid the principal of the loan and well over 12 % interest. The organization does not operate in Virginia that I can find. The individual stated she was a manager and stopped the auto pay however, she stated I would still be responsible for the money owed. If I continued to pay this loan I would have paid over $ XXXX in interest on a {$5200.00} loan. She also stated that they would report to the credit bureaus if such payments were missed.
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.
I have XXXX credit cards with Citi which I 've paid in full every month since opening the accounts. A couple months ago Citi did not apply the entire amount of my payment to one of my credit cards, but they took the entire amount of my check out of my checking account. The difference is about {$1000.00}. I 've contacted them three times ( each time I get my monthly statement ) to correct the problem. Each time they said they would correct the problem, but they never follow through on their statements. I have continued to pay my accounts in full each month ( less the approximately {$1000.00} I do n't owe ) and they continue to add interest and reflect an inaccurate balance on my account.
ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX 2.  ( XXXX ) XXXX 3. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
I 've requested that Nelnet honor my six-month grace period, yet Nelnet has yet to do so. In the most recent correspondence, dated XXXX XXXX XXXX, the deferment details are listed as : Start date : XXXX/XXXX/XXXX End Date : XXXX/XXXX/XXXX Next payment due : XXXX/XXXX/XXXX The distance in time between the end date and the next payment due date is not six months. I request that Nelnet make the appropriate correction to its records. 

Thank you.
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.
On XXXX-XXXX-2017, I was denied a special 12 month no finance credit card from XXXX with XXXX XXXX to purchase a computer, printer, and software totaling {$1100.00}. I was only offered a credit card with a yearly fee. After receiving letters from XXXX XXXX explaining why I was denied credit based on Experian 's credit report, I discovered the reasons did not match my credit reports from all XXXX credit bureaus.
I have a high score, have never been late on a debt, never missed a payment on anything I owed, yet was denied credit. I have written the credit bureaus to remove accounts that are not mine, and have attempted to contact XXXX XXXX to no avail. I did let the store manager know of this situation, but no steps were taken to resolve this issue.
Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy
XXXX XXXX XXXX XXXX Mn XXXX XXXX / Dob XX/XX/XXXX REPORT # XXXX EXPERIAN CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The XXXX Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the XXXX disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
I will have to send to you my experian report no XXXX and XXXX. 
My problem is ongoing for over 20 years i am being denied credit. 
Someone is filing old stuff back on and back dateing informationone is XXXX XXXX bank XXXX wirelessother inquires and bankrupcy filing that are dismissednot reporting or removed. 
mostly old stuff also XXXX is reporting a small loan for {$60.00} which has been disputed. 

I want the agentcies to give me a clean slate this is not fair Im trying to re start newcredit and also using my score to be low. 

If they dont stop I feel that I may have to file a XXXX action against all parties. 
I would like to get this removed for good and they are old. 

I will gather more reports when i get them. 

Sincerely yours, XXXX XXXX
XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back on my credit report?!
I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.
We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.
Under FCRA & FDCPA, Experian refuse to remove and delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),  creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.
I have had ongoing violatons of Regulation CC by Wells Fargo Bank. 
I just received a response to my earlier complaints on matter XXXX ] and XXXX ] Its false and a new violation just occurred.See below. 

The response is false and the claimed credits from Wells Fargo Bank in their response were never made. 

I am filing a new Complaint under Regulation CC. 
A hold was improperly placed on a XXXX deposit from a law client of mine who is a business and whose account has processed checks several times for the last year, a XXXX XXXX. His prior deposit of XXXX was made and credited to my account with no hold. I know my depositor. 
SO does Wells issued prior credits and processed checks. 
Now this deposit has been collected by Wells Fargo Bank and I have a scree shot of my client XXXX Account that the funds were collected on this check. 
Yet Wells Fargo and their operations manager XXXX XXXX have made false statements to me and stated today at XXXX PDT that even if the funds were collected, that the bank could and would charge me for all items to come in. Once again a pretext to charge my account XXXX of dollars of overdraft fees on funds that were actually collected. 
Tbis is not just a violaton of Regulation CC its fraud and is also abuse of any discretion the WFB has under CC to punish me and retaliate for my pending complaints referred to above. 

This is part of the same pattern and practice of fraud by Wells Fargo Bank I want Wells Fargo Bank to honor Regulation CC and refund all past and current and future overdraft fees. Note this also leaves me with no funds over the holiday period. 
This is the second month in a row where the bank has done this, the Bank regularly receives my XXXX direct deposit from Social Security has no risk and has been taking an average of over 20 % of my social security deposits- this also represents fraud and elder abuse under State Law. 

Please see attached deposit receipt. Note there is no hold on the receipt and no hold notice. 
Wells Fargo Bank claims there wasa hold notice on their internal Wells Fargo Bank email. I did not receive a hold notice and did not receive even a notifcation that funds were transferred from my savings account until this morning after 2 complaints on Monday and no notice for over 2 business days. 

I want Wells Fargo to refund all fees. The prior complaints should remain open. These represent a pattern and practice of improper overdraft fees in violation of Reg CC. 
I am making a claim for loss of use the collected funds and all overdraft fees.
I have sent Equifax XXXX separate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccurately, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Equifax claims to have " verified with creditor '' and I believe this to be false. How can Equifax verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Equifax to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you*** Attached is my credit report & returned mail for XXXX XXXX . On the last page of my credit report you will see the address published and on the returned letter you will see the same address***
Long story short I had previously placed a complaint on this company for contacting me repeatedly ... they replied and disagreed with my statement. In that time duration XX/XX/XXXX they closed all my accounts with them and credit karma reported this to me via email ... I originally thought because they found my dispute to have validity ... no, they was removed and closed and 24hrs later they were all replaced BACK ON my credit file. 
I happend to take a screenshot of ALL the removed accounts that day that were close ... I was not notified of these accounts being placed back on my credit file. I have proof I can send of this occurrence Portfolio recovery
XX/XX/XXXX CFPB : JPMChase hired a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure to take away everything that I owned, the personal property of five ( 5 ) generations of my family from my Family Homestead, XXXX XXXX XXXX, XXXX, IL XXXX, which my parents, XXXX and XXXX, had built, XX/XX/XXXX. It is a violation of Illinois Law to hire a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure. I demand the immediate return to me of everything taken from XXXX XXXX by  JPMChase in violation of the Illinois Unclaimed Property Act and other Extant Legislation. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.
On XX/XX/XXXX I lost my debit card and someone got ahold of it and withdrew {$600.00}. I disputed the charges and USAA credited my account {$600.00}. Then yesterday XX/XX/XXXX USAA took back that money. I called them to ask why they took it back they said the fraudulent charges were not fraudulent because the person that used my card used the PIN. The last place I had my card was Do It Best in XXXX XXXXXXXX the same day as the charge of {$600.00}. I noticed my card missing the following day when I attempted to buy groceries at grocery outlet in XXXX CA. This is the fourth time they have done this to me I needed to buy equipment for my job but now that I am {$230.00} in the hole I can not do anything and I am at risk of losing my job.