WillisBack/dataset-financial-user-claim huggingface dataset:
I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing Midwest Recovery Systems reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
I hired a XXXX to perform at my client appreciation party on XXXX XXXX, XXXX. 
The company charged me the {$3500.00} for it on XXXX/XXXX/XXXX and it posted on my Capital One credit card on XXXX/XXXX/XXXX and I paid the charge. I then was charged another {$3500.00} on XXXX/XXXX/XXXX. I contacted XXXX XXXX at the XXXX XXXX XXXX and he apologized and said he would talk to the accounting dept and take care of it. I then called another number that was on my original invoice and it was an attorneys office, I told him what happened and he said he was going to see them that day and that he would have them take care of it. Two days past and the company never refunded the money. I called them again and talked to XXXX ( who was in the mtns ) and stated that if he did n't remove the extra charge that I would file a dispute with Capital One. So on XXXX/XXXX/XXXX I call capital one to explain what had happened, filed a dispute and they removed the charge..pending investigation. 
Then on XXXX/XXXX/XXXX Capitol One rebilled me {$3500.00} and said I didnt respond to their paperwork request ( which I have proof that I did ) so I went ahead and REsent it to them on XXXX/XXXX/XXXX @ XXXX. During that time, XXXX XXXX ( the owner of XXXX '' had been arrested and a XXXX XXXX Jury has indicted him and his girlfriend " the accountant '' for XXXX of money laundering, theft, forgery and fraud. Click on the following link for the article : XXXX I forwarded all this information in my paperwork to Capital One and they once again REMOVED the charge on XXXX/XXXX/XXXX. THEN on XXXX/XXXX/XXXX Capital One REBILLED me the {$3500.00} stating that the company had provided XXXX receipts to back up the XXXX charges so they sided with them and put the charge back on. I spent 3 hours on the phone with them on XXXX/XXXX/XXXX being sent from the fraud dept to the dispute dept, had to explain my story to a least a dozen people, they then sent me the receipts they had and they were CLEARLY not my signatures, I then provided 3 forms of ID with my signature on it to prove that, they agreed it wasnt my signature however, now they want more information from me. I have done EVERYTHING they have asked and it is more than evident that I too was a victim of this company 's fraud however, CAPITAL ONE CC continues to victimizing me by repeatedly removing this charge and then adding it back on even though I have proven to them it WAS FRAUD! I have been in contact with the XXXX DA to add my case to the counts again XXXX XXXX and XXXX but I need help getting Capital One to work with me and stop charging me over and over. I have asked to speak to Supervisors which they get on the phone but I have to keep explaining my story and once I think its resolved ... .they charge me again and they clearly know this second charge for {$3500.00} is FRAUD. What can I do to stop being a victim to Capital One? Also, per Capital One 's request I closed that credit card and they reissued me a new one so this company would not be able to continue to charge me.
Dear CFPB : In XXXX, I thought that my personal information ( especially SSN ) may have been compromised, so I looked for a company that could monitor my personal information. I found TrustedID and signed up for a reasonable plan that covered my family for {$160.00} annually. I provided also sorts of personal information so that TrustedId could monitor against that information and warn me of any issues. It also offered {$1.00} XXXX in identity theft protection. 
For the first few years, I was happy with TrustedID 's service. I could check my on-line risk to see whether my personal information was exposed on-line in a risky way. For the first few years, TrustedID 's on-line risk assessment indicated my risk was low, and the occasional review helped me to reduce my risk. 
Then maybe 4-5 years ago, the assessment began to indicate that my risk was at the highest level. It was not clear how or why that happened. Did a better assessment method reveal places where my information had always been exposed? Was the assessment completely false? As I recall, TrustedId offered me services for a fee to have my information removed from those sites. Instead I asked the sites that exposed my information, in accordance with their procedures, to remove my information. Doing that never seemed to lower the result ( the highest risk level ) of TrustedID 's risk assessment. I grew unhappy with the service, not knowing whether TrustedID was taking my annual fee and providing nothing real in return. ( In retrospect, I think that it might have been doing exactly that. ) Only earlier this year in XXXX did I decide to cancel my TrustedID subscription. On XX/XX/XXXX, TrustedID refunded {$54.00} of my unused annual fee. If I knew that Equifax owned TrustedID, I certainly forgot that until the recent news of Equifax 's data breach. News of the breach and subsequent revelations have got me thinking that maybe TrustedID HAD BEEN taking my annual fee and providing nothing real in return. I am wondering whether the CFPB has received similar complaints or concerns about TrustedID. If so and the concerns are true, I think that I should be entitled to receive a refund from TrustedID totalling my net annual fees paid for the past five years. Any assistance that the CFPB could provide on this matter would be greatly appreciated. Thank you very much. I look forward hearing back.
I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.
almost XXXX years ago i paid a group called XXXX of XXXX CA, almost {$2000.00} to obtain a HARP loan they didnt get me my loan but gave the paperwork to XXXX WHO SOLD IT TO GREEN TREE LOANS WHO I HAVE THE HARP LOAN WITH NOW but during this time i aome how had a {$15000.00} adjustment add to my loan of {$90000.00} so now i owe over {$100000.00} on my house an the balance showes {$85000.00} i want to sell my house but it only appraise for {$92000.00}. i had a off er of {$90000.00} then found out about the extra {$15000.00} attached to the loan an can not get any answers from anyone about the extra {$15000.00} what do i do?? thanks XXXX XXXX
On XX/XX/XXXX, I contacted XXXX XXXX to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my XXXX XXXX online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling XXXX XXXX and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report. 

I contacted XXXX XXXX again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

Equifax is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from equifax : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
I opened an account with Citibank on XXXX XXXX, 2016. 
They had a promotion of {$500.00} for any deposit over {$50000.00}. within 30 days. 
It is now almost 6 months, i have NOT received payment, Ive called them on multiple occasions over the last month, and they have NOT honored their commitment.
In XX/XX/XXXX me and my husband ( XXXX and XXXX XXXX ) went to XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, NC XXXX and purchased a XXXX XXXX XXXX. We traded our XXXX XXXX van ( that was paid in full ) on this transaction. I had automatic payments set up to be debited out of my account. After two monthly payments XXXX XXXX could not come up with a permanent tag. We were issued three temporary tags from the time we purchased the vehicle. Fed up because we could be pulled over and fined for having a outdated temp tag we contacted the department of motor vehicles and they fined XXXX XXXX. Even after that incident we asked if we could get another car but we were told no, so me and my husband decided on XX/XX/XXXX that we wanted our trade in back and this vehicle purchase removed from our credit report without having a negative impact. The vehicle was gone so XXXX XXXX did give us a {$1000.00} but he failed to send the finance company Consumer Portfolio Services the money because we returned the vehicle. We have since then talked to XXXX XXXX at CPS and he states that he has not received a check from Driven but XXXX XXXX states that its " in the mail ' We have contacted XXXX and the BBB concerning this matter. XXXX XXXX has failed to keep us updated in this matter and when we try to contact him, he is either out of the office or they hang up on us. This has taken a great toll on us financially and mentally. My husband ca n't work his second job because we went from a two car household to a one car household. We ca n't purchase another car because this loan is showing negatively on our credit report and our credit score has dropped XXXX points.
I unfreeze my credit on  XXXX  to apply for a house and this collection account shows up on  XXXX / XXXX / XXXX   one  day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an  XXXX  at work I could have paid this from.     Date Reported :  XXXX   XXXX ,  XXXX  Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC  XXXX   XXXX ,  XXXX  {$350.00} {$350.00}  XXXX   XXXX ,  XXXX  UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency  XXXX   XXXX ,  XXXX  INDIVIDUAL_ACCOUNT   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX
I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
On XX/XX/XXXX I was told my a potential lender that my credit report was frozen and could not be accessed. I had them re-submit the request with the same result. I immediately called and spoke with numerous people at all three of the credit reporting bureaus. I was transferred, and given other numbers to call, all people saying there was no problem with my account. The next day, the lender tried again, no luck accessing my report. I again called all three agencies, speaking to multiple people and found that there was a freeze on my account from last XX/XX/XXXX. I asked that it be removed. Next day the lender again had no luck with the credit report. I again called all three bureaus and Equifax finally told me that there was a block on my account and the only way I could remove it was to purchase a " freeze '' for XXXX dollars. I did this and they walked me through the web page to then remove the purchased " freeze ''. My logon screen showed there were no locks and no freezes on my account. On the following Monday my lender once again tried accessing my credit report with no luck. This was about mid day. I called Equifax once again and they again reassured me that there was no freeze and that the request should have taken place immediately ( last Friday ). I then pulled my own credit report on XX/XX/XXXX and noticed that Equifax had my status changed to " File Blocked For Promotional Purposes ''. I called them on XX/XX/XXXX and spoke to several people inquiring about the " promotional block '' and was told this was another additional feature that transpired with the initial lock/freeze back in XX/XX/XXXX but this was never mentioned to me in any previous conversations. I asked for the " promotional block '' to be removed immediately and was informed that it would take 30 days. I asked them to begin the process and noted on my calendar the followup date. I will followup with them but am very unhappy with the run around I have received. I will be back in touch with you if in 30 days they have not removed access to my credit file,
The most recently case : I contact with Wells Fargo they my case # XXXX. XXXX XXXX XXXX XXXX. I just opened a checking account in XXXX then after I got a letter to stating I applied credit card with Wells Fargo ( which I did not authorized ). After this Wells Fargo send me letter say they closed my checking account, because I am red flag with Wells Fargo. I 've been contacting with them multiple times, they said back then XXXX I had account with Wells Fargo, also accuse me the reason not allow me have account with Wells Fargo because " My account '' shows I am doing illegal things. Since then Wells Fargo put me in their red flag. This been really ridiculous because I lived in XXXX attending my school, there is no Wells Fargo bank in XXXX state. ( Move in XXXX on XXXX ) I 've been calling every month, the bank been give me a hard time, play the phone game ( I 've been talked to XXXX departments with Wells Fargo ). I asked them to check or give me more information about " the account ( which opened in XXXX ) '' they could n't find anything on that. after six months they send me a package with " personal identity stolen or protection blablabla ''. That 's it. Since then Wells Fargo not allow me open account with them. So this whole story from unauthorized credit card application to accuse me illegal activity " account back opened in XXXX ''.
I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.
I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.
Applied for a small loan with my main bank ... I do business with three different banks, all of which I am in good standing..and have been for quite some time. Equifax has either mixed me up with someone else, or just ca n't get its facts straight about me ... and has tanked my score for no apparent reason ... absolutely no change has occurred ... yet it tanked my score 54 points for no reason at all!!
I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.