WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX  sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that chase bank remove these accounts from my CRs but chase bank declined. XXXX XXXX  was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by chase bank equifax XXXX And XXXX  in a attempt to verify a charge off that does not belong to me. In a recent letter chase bank stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to chase bank requesting assistance with fraud. I have reached out to chase to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX  is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs
My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''
My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.
Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.
I deposited a check in the amount of {$5300.00} on Saturday XX/XX/XXXX via Bank of Americas mobile banking app. On Monday I was given three different dates as to when my funds would be available ( currently have those print outs which the staff at one of their branches gave me ) the first availability was for the amount of {$4800.00} to be available on XX/XX/XXXX after XXXX CT. XX/XX/XXXX, I was showing an overdraft of over {$400.00} plus a over draft fee of {$35.00} and just received another notice threatening another {$35.00} fee if I do n't make a deposit by XXXX XXXX! Mind you my account was not over drawn or in the negative prior to me making my deposit. On top of that the {$4800.00} was not available. The next availability is for {$380.00} to be available on XX/XX/XXXX at XXXX ( I honestly do n't think that money will be there after being told that {$4800.00} would be in my account on XXXX XXXX ). On top of that, I am still missing {$200.00} from the original amount that I deposited. I went into the branch XXXX times this week and no one can give me answers, just empty promises. My phone is currently cut off for non payment, and my rent is severely past due. My son and I are on the verge of being evicted from my home due to them holding my funds. I am a single parent who 's family relies solely on my income. How am I suppose to function when you have been holding my funds for nearly XXXX days without so much as an explanation? In this day an age with technology ruling EVERYTHING a hold check normally takes 24 hours, they are telling me that my funds may not be released until XX/XX/XXXX! I 'll be evicted from my home by then!
XXXX  has been non-compliant with removing the unverified account SECURITY CREDIT SERVICES Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SECURITY CREDIT SERVICES was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.
I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.
Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.
My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
I disputed a charge through Chase Credit card. Its employee with ext. XXXX has been unresponsive and irresponsible. 

She rebilled my account without good reason.
My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Discover will not consider a credit card dispute fairly. They have blindly accepted the merchant 's perspective without listening to my narrative or side. Additionally, despite being provided evidence and a statement that the charge was not authorized, they refuse to charge it back to the merchant. The transaction I am disputing involves a product not delivered. Under the Fair Credit Billing Act, I am entitled to a full credit in this event. Discover refuses to issue this credit.
Equifax , Inc., a consumer credit reporting agency, said on Thursday, XX/XX/XXXX that they were the victim of a massive cyber security hack, which divulged the information of 143 Million Credit Card Users. Hearing about this, I checked to see if my own personal information was stolen by using the URL : ( https : //www.equifaxsecurity2017.com/potential-impact/ ).  It was reported to me that my personal information has been impacted by the current hack. Information has come forward that Employees and Officers at Equifax have known about the breach sinceXX/XX/XXXX, and have been instead been selling off stocks. Because of this, I feel that Equifax has n't even done 1 % of enough to keep my information safe or to take care of their own faults. I feel they have n't been fully forthcoming and have n't been as proactive to protect their users and the data shared with them from other consumer credit reporting agencies.
When I purchased my new lease I specified I wanted my payment due date to be the XXXX of every month. Every bank I 've ever done business with ask you this very question. When the first payment came in the mail, the due on the XXXX of every month. I contacted U.S. Bank to have the payment date changed to the XXXX of every month. In the end I was charged a {$50.00} fee and only allowed to move the payment due date by 15 days.
I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.
I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service.
Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites.
Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.
I received a call from a company claiming to be called National Arbitration from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a XXXX loan company XXXX XXXX XXXX. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
Equifax has a wrong last name on my reports also : it suppose to be XXXX not XXXX were it says INFO Provided in this report includes info reported under the name ( s ) thanks XXXX XXXX XXXX Finally got report from them XX/XX/XXXX thanks :
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX XXXX in XX/XX/XXXX and moved to Colorado for XXXX XXXX, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. Transunion and XXXX  still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama   Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake.
I been receiving numerous calls from kohls to collect on past due amount owed, they call at different times with local numbers but leave a voicemail with their direct number. I been paying monthly payments of {$25.00} but i could n't catch up due to monthly late fee of {$35.00} due added every month on top of the {$25.00} not being the past due amount. They been emailing me as well collection emails which i did not consent too. I finally responded to one of the emails in regards to offering a low apr/no late fee/low montly payment which i received a couple of these telling me my options, I called on XXXX/XXXX/XXXX i received the email on XXXX/XXXX/XXXX i specificcally called on these options offered via email, the representative advised me he could n't offer me the options only a settlement i advised him i cant do the amount of the setllement i wont be getting paid till XX/XX/XXXX i will call you back if i can come with the amount. he said ok. So i called yesterday XXXX/XXXX/XXXX im told my account has been charged off and my options expired on the XXXX/XXXX/XXXX they acknowledged my call in regards to the options emailed on XXXX/XXXX/XXXX but since it 's been charged off i no longer qualify. I felt misled and false misleading information on their behalf as well with the calling with local numbers more than once a day is ridiculous when im making as best to pay them.
I have contacted KOHLS regarding their negative reporting on my credit reports. This account was paid off and I was told it would be removed from my credit reports and it never was. When I reached out to KOHLS they sent me a letter saying they do not have this agreement on file because the " retention period has passed ''. They also claim to not be able to find my information in their systems without me providing them with the account number which I no longer know. This is unfair to me as a consumer and I would like for them to hold up their end of the deal that was made years ago. This account shows that is has a zero balance but it still shows up as a charge off/collection on my reports, that has a negative impact on my reports.
Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : XXXX
I had sent Navient a letter requesting the removal of 3 late payments that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As with any loan I have had in past for school once you graduate you have 6 months to start to repay. I was still in the grace period those months except possibly XX/XX/XXXX. I mailed a certified letter to Navient XX/XX/XXXX requesting the removal of the late payments due to being in the grace period and that particular loan was consolidated among XXXX other loans on XX/XX/XXXX. I even sent them a letter from University of XXXX. Navient responded that they are reporting correctly, in which I do not agree with. I never recieved anything from them stating that I was to start repaying the loan. I only noticed this error when I checked my credit report. The loan was from XX/XX/XXXX and I was attending XXXX. This loan was paid in full on XX/XX/XXXX due to consolidating my loans. Not once did Navient send me a letter stating about repaying the loan or start date to repay it. The loan was for {$2200.00} which was paid!!
FedLoan Servicing is miscalculating payments in order to increase its profits at the great detriment of the borrower. By way of example, note that a payment made on my account on XX/XX/XXXX, was assessed {$46.00} in interest - in other words, per diem interest for Saturday, Sunday, and Monday. That payment was correctly processed. I subsequently made payments on Tuesday, Wednesday, Thursday, and Friday of that week such that no interest would carry over into the weekend. Accordingly, one would expect that an identical payment made on Monday, XX/XX/XXXX, would result in, at a minimum, the same interest payment, or more likely a smaller interest charge - not with FedLoan Servicing. They improperly assessed an interest charge of {$46.00} without explanation, notice, or legal authority. Upon information and belief, they have been cheating borrowers in this and similar manners for years. All inquiries for explanation have been ignored. Please investigate. 

/s/ XXXX XXXX XXXX XXXX.
I logged in to check my transunion credit report on XXXX XXXX and all of my inquiries were deleted, upon checking my credit report again on XXXX XXXX i see the inquiries have been added back to my report without my knowledge and has caused my score to drop.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.