WillisBack/dataset-financial-user-claim huggingface dataset:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.
On XX/XX/2018, attempted to close my business checking account at this institution via phone call. During the call, I was asked to verify the business address and provided the address for my business and the address used at the time of account opening in XX/XX/2018. Upon providing my address, rep informed me that address was incorrect. After a review of my statements ( which are received electronically ), noticed that at some point in XX/XX/XXXX or XX/XX/2018, this financial institution changed the address on my account, without authorization or notification. At no time did I make a request that the address on the account be modified or changed.
I have sent a certified letter dtd XX/XX/2018, to Equifax disputing a particular account on my credit report. Equifax responded on XXXX, XX/XX/2018, stating that they researched the account and verified it belonged to me. I sent another certified letter on XX/XX/2018, requesting their method of verification by ways of copies of a legally binding contractual obligation to pay this account bearing my legal and valid signature, as per the FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I received a letter from Equifax, again stating that this account was verified, without any of the artifacts, I requested.
Starting on XXXX XXXX, I began receiving Secure/Confidential emails from a Chase bank representative into my secure message center with CHASE bank that were intended for OTHER CUSTOMERS. I promptly reported this to Chase and they never followed up or returned my call until after XXXX complaints and a call to my local branch Manager, between XX/XX/XXXX & XX/XX/XXXX I have received confidential communications for these XXXX other customers, XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX I believe the information I was provided is a breech of customer confidentiality and CHASE will not follow up appropriately. I also have concerns regarding my personal information as I never received a message on the disposition of my own reported issue? 
CHASE CASE # 's XXXX XXXX XXXX
This is not my first attempt to have this problem resolved. Upon my last request the company said that they sent a letter to my address which I di not receive anything. Nor has the credit reporting agency responded back with investigation report or findings. This has been well over 90 days and no one has responded. I asked this company for a contract verifying that this is my debt and that I have a debt owed to them and they stated they sent something in XX/XX/XXXX which they did not. So I know there's no way the CA can have anything as well. If this matter does not get resolved I will be seeking legal action because this is fraud and the information being reported on my credit report is incorrect and I have tried will over 90 days to have the issue resolved with both company 's.
I ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.
I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.
Electronic transfer from my XXXX XXXX XXXX savings account to my Everbank checking account, executed on XXXX/XXXX/XXXX. Everbank sent me an email later that day saying the transfer had been completed. As of today XX/XX/XXXX, they still have not made this deposit of XXXX, available to me to write a check on. Now they say funds will be available XX/XX/XXXX, 6 days after the transfer date. 

This is ridiculous and abusive. Zero reason to hold normal, small US funds that long. None, except for Everbank to skim extra interest off them. It 's unlikely this is not a serial practice, affecting many or all depositors. Here is the email correspondence below - ====== -- -- -- -- -- -- -Original Message -- -- -- -- -- -- -- - From : EverBank To : XXXX Subject : Responding to Your Inquiry Date:XX/XX/XXXX Message : Dear XXXX, Thank you for your recent inquiry. Per your request, I 'm pleased to provide you with the following information. 

All funds will be available tomorrow XXXX/XXXX/XXXX. 

We know you want access to your cash, fast. To determine how quickly your funds will be available after your specific type of deposit has been made, please read the Funds Availability information, which can be found online at everbank.com/terms. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. 


GET IN TOUCH XXXX XXXXXXXXXXXX EverBank is an Equal Housing Lender, Member FDIC ( c ) XX/XX/XXXX EverBank. All rights reserved.AP -- -- -Original Message -- -- - From : XXXXXXXXXXXX XXXXXXXXXXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX To : EverBank Service Requests @ Subject : Checking/Money Market/CD Question User ID : XXXX CIS Number : XXXX Branch : XXXX Account number : XXXX Deposit posted XX/XX/XXXX for XXXX Everbank sends me an email that day, " transfer completed '' No it 's not. At close of business today XX/XX/XXXX, these funds are still not available. Why? 

Transferred between banks in USA. 

- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This electronic communication and any files transmitted with it, or attached to it, are confidential and are intended solely for the use of the individual or entity to who it is addressed and may contain information that is confidential, legally privileged, protected by privacy laws, or otherwise restricted from disclosure to anyone else. If you are not the intended recipient or the person responsible for delivering the e-mail to the intended recipient, be advised that you have received this e-mail in error, and that any use, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. If you received this e-mail in error, please return the e-mail to the sender, delete it from your computer and destroy any printed copy of it. Although our company attempts to sweep e-mail and attachments for viruses, it does not guarantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses.
My father died as a non-resident alien with an account in the United States. 

I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. 

There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. 

XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. 

I believe they have no valid reason for the second requirement. 

This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. 

Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. 
Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real  estate, personal property, and securites. 
Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds.

3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. 

I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.
I have an American Express XXXX XXXX credit card. I was told after spending XXXX in the first 3 months I would receive 100,000 points. I spent that in the first 3 weeks. I waited about 6 weeks and called to see why I have not received my points and I was told that I should have. Well guess after 3.5 months no points and 4 phone calls. One person started a dispute waited a week and then was told that was wrong so now I have filed a complaint. I was told it would be expedited. 12 days later I call and am being told I have to wait 3 more days. Everyone can see that they are supposed to give me 100,000 points but no one will do anything about. This is the worst customer service and I feel I was misled into using their product. I have put about XXXX on the card. I have other cards with them and have never been late. I just want my point and move on. I have spoken with XXXX and XXXX.
In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
Conserve collection popped up on my credit report early  XXXX . I tried calling the company but could n't discuss the account with anyone as they claimed they could n't discuss the account with me unless I verified my social, I refused to verify my social because I gave them an account number and according to FCRA rules that is the only information necessary when consumer are asking about an alleged debt. The representative go on to repeat my birthday, which was inaccurate and kept trying to get me to give her my social. I kept repeating I needed proof of the debt baring my signature and the representative kept asking for my social. I asked fo r a manager because absolutely NOTHING about this debt for conserve has come to my house. The manager infor ms me the original debt is through  XXXX  University. I explained I had gone through this with  XXXX  before in court and it was proven the debt was n't fine as I 've never attending  XXXX  and they  XXXX  and closed out my account with them. I informed Conserve they purchased a bad debt as I never owed the original creditor for them to sell the account, the manager then told me they needed to recover their money and tried to negotiate a settlement. At that point I asked again for proof with my signature that I owed Conserve ( as they are reporting  it ) & n ot  XXXX  ( whom it has been proven I do n't owe in court ). The manager then hung up in my face. I sent a request in writing for proof that I owed Conserve and received a bill for   XXXX    not anything with my signature confirming I owe Conserve! They just placed this debt on my credit without giving me the opportunity to defend myself nor do they have proof to that their reporting is legal in accordance to FCRA rules. Since they do n't have my signature showing I owe them please delete it from all reporting agencies.
Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.
Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us
Today alone they have called my home phone 3 times/daughter/ex-husband/ step sister/ XXXX year old mother/ex sister in laws/ex brother in laws and nephew I have seen or talked to in 20 years phones all before XXXX. We had been paying what we can on a part time job of 22 hours ... instead of past due going down they kept adding more and more late fees ... {$300.00} a month is all we can afford but they continue to threaten ... already have 3 in collection
I have disputed an account on my credit report several times. The account does not belong to me. I have contacted the creditor and the credit reporting agency. Neither has resolved the issue.
inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax
I hired a lawyer to help me get custody of my daughter. He guaranteed that he could get this done but he didn't. I realize that the results shouldn't have been guarenteed but he didn't do any of the things he said he was going to do but yet i kept being billed. I went to court once for my daughter but he charged me as if i had gone to court 3 times.
Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did it.
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.
Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.
I checked my personal credit report, which I acquired on XX/XX//18 and I noticed an unauthorized inquiry had been made. I contacted mb Financial, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into mb Financial inquiry on my credit report to determine who authorized the inquiry.
On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.