WillisBack/dataset-financial-user-claim huggingface dataset:
Key Bank recently took over First Niagra. On XX/XX/XXXX, I contacted Key Bank as I had n't received anything from them since the changeover. I had made a payment on XX/XX/2016 and one on XX/XX/2016. This should have taken care of XXXX and XXXX payments. I was told by the man I spoke with " XXXX '' that he could see where I had made the XXXX payments but the XXXX on XX/XX/2016 was not credited correctly to my account. He told me that it was due to the change over and he was submitting it to the correct department to have it applied correctly and it would be fixed in 2-3 days. He assured me that it was due to the changeover and my account was fine and I did n't need to worry. On XX/XX/2016, I received a statement showing I am a payment late and I owe them {$740.00} this month. I immediately called KeyBank and spoke with XXXX. I got the same answer from him that the payment had n't been credited correctly and he was submitting it to be fixed and it would be taken care of in 2-3 days. I told him that is what the last guy told me and it still is n't fixed. He said he would follow up on it and call me the following day at XXXX. I have him my cell phone number as I would be at work. At XXXX the next day, I still had n't heard from him so I called the customer service number again. He stated he had n't heard from that department yet and would call me later in the day. When I got home from work I still had n't heard from him, but there was a missed call from collections on my home phone. I called the customer service number again and was told that they were working on it. I asked for a supervisor. I could n't quite understand her name. It was either XXXX or XXXX. She gave me a reference number of XXXX to use if I needed to call back. She also gave me a documentation number of XXXX and said this was the verification that I had made the payments. She assured me that it was being worked on. Today, XX/XX/2016, I received another collection call. I immediately called KeyBank. I again got the same story. I said this need to be fixed today and asked to be transferred to the department that was working on it. I was told that they do not have the ability to transfer to " the back office ''. I asked for a supervisor and was told there was n't one available. I said I would hold until one was available, and was told that a supervisor would not be able to give me any further information than what I already have. She refused to give me a supervisor and did not give me her name.
A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.
I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX  warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.
XXXX is misrepresting itself by continuing attempts to collect a debt I do not owe. They have now changed their name on my credit report to Wakefield & Assoc. XXXX XXXX which is the same address as XXXX. XXXX. deleted this fraudulent collection account on XX/XX/2016 and the same day the affiliate Wakefield was on my report about the same account that was verified by XXXX that is not mine which is why XXXX rec deleted themselves from my report. This is false, disceptive, and misleading practices by these companies. That 's why I contacting CFPB, the FTC, the states attorney general and the better business bureau to inform them of this unfair practice by XXXX. and Wakefield & assoc. from XXXX, TN. Revenue added this on my credit report XX/XX/2016 and it was removed because no such debt exist, then XX/XX/2016 this {$240.00} amount was added back. I disputed again and it was removed again and now XX/XX/2016 their affiliate Wakefield is attempting to collect on a false debt they know does not exist. I need these companies to be held accountable for their false practice and I want other consumers to be aware of unfair practices such as this so they will not be a victim of bullying by a debt collector such as XXXX. and Wakefield and Assoc. I want this company to stop harassing me and trying to collect on a debt that does not exist and to accept that and stop trying to be vindictive in ruining an innocent consumers credit.
In XXXX 2015, an account was opened with Discover Online Savings Bank in my name. This was a fraudulent account and not requested by me. I have attempted to resolve with Discover direcly, providing documentation and a signed affidavit stating that this account was not opened by me. I have requested proof that its been removed from my name and none has been given. I received a statement on the fraudulent account on XXXX/XXXX/15 still showing the account open and in my name. I called Discover again and was rudely stopped from getting any information about an account in my name, all I was asking was why this account is still showing in my name and has it been closed/marked as fraud and removed from my records. The representative and manager I spoke with refused to provide any such assurances because I would not provide my personal information to " verify '' the account. I did provide the information on the statement but apparently thats not enough. They claim to refuse to provide me with this due to their security verification protocols but its a shame that they didnt do this when opening the account with the fraudster. I have no accounts with Discover and certainly never will based on this horrific experience. 
Please ensure that Discover confirms that this account was opened as fraud and my information and records reflect no existince under my name.
Equifax was breached using a simple and easily patch security vulnerability. I expect someone who hordes my personal information to take security seriously and rigorously. I now have to live in fear of my identity being stolen because Equifax was irresponsible with my personal information.
I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.
An very obviously fraudulent charge was placed on my gift card. I started a claim but they seem to deliberately slow things down hoping I just give up Got a {$500.00} gift card ( number is XXXX XXXX XXXX XXXX ) which magnetic strip was compromised. Called them to let them know and ask for a replacement card. Received replacement card ( number is XXXX XXXX XXXX XXXX ) tried to use it, magnetic stripe worked but transaction got declined. Called in and was told that my card XXXX was used in-store for a {$490.00} charge at a XXXX XXXX  that I have never been to. 
Charge is very obviously fraudulent and the blame is on gift card provider since card XXXX was supposed to be disabled at the time of the fraudulent transaction at XXXX XXXX, since transaction " happened '' after I called to let them know about the defective magnetic stripe. Charge was not even possible anyways since as mentioned magnetic stripe was not working. 

Since then, I have complied with all requests from cardholder services but they are not taking care of this issue and obviously try to slow things down waiting for me to give up. 

Extra Detailed Info Date of last interaction with business : XX/XX/XXXX
XXXX / Synchrony Bank does not honor billing address in an order 's final details for purchases made online through XXXX. They do not confirm that emails are sent to the correct email address for the person name listed on a purchase final order details. As a result, i had a debt and credit card that i was unaware of go to collections and it has damaged my credit score. They made no attempts to reach me by phone, reach me by either shipping or billing address before sending this to collections. No parties involved have been willing to help me resolve this in a correct and fair manner.
According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ). 
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.
XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
I was scammed by XXXX ; they claimed to have a trial of their eye serum ( to eliminate under-eye bags ) ; the trial was for {$4.00}. I agreed to that charge, and that charge only, and received the product, XXXX. The product did not work at all ; I never ordered it again and I never " subscribed '' for it. Weeks later I see {$270.00} on my credit card statement. I never, ever agreed to these charges ; the product is worthless. I told my credit card company ( Chase Card Services ) to take those charges off, which they did -- initially. I responded to them for each information request. I researched XXXX and found that they have a grade of F from the XXXX. There are also numerous complaints on the Web about this company. There is no way I 'm ever going to pay for these bogus charges.
On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.
XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.
On XX/XX/2018 Transunion listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, Transunion will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, Transunion added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.
The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.
This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other account.
On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.
I checked my XXXX today on XXXX XXXX 2016 and found that I have an unauthorized hard inquiry from XXXX XXXX on XXXX XXXX 2016 on my equifax credit report. This was not done by me I do n't know if there is something opened in my name because as of now it only show the inquiry. I do n't want to get stuck with something that I did n't do. This is fraud if XXXX have anything open in my name.
THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
I opened a new joint checking account ( for wedding savings ) as part of my current relationship with Ally Bank, who I have been a customer of since 2007 ( as XXXX Savings Bank ). I deposited {$10.00} into the account, received a checkbook and debit cards which I kept in a locked filing cabinet. I initiated no further activity on the account. 
Then 2 weeks ago I noticed ( by way of XXXX ) that I had been charged XXXX {$25.00} overdraft fees into this account. When I contacted them I learned that they had rejected XXXX ACH Withdrawal attempts and charged overdraft fees for them : - XXXX - {$490.00} - XXXX - {$490.00} As I work in the XXXX, I know the ACH system well - so when I contacted them I probed them regarding where these withdrawal attempts had come from, as no one would have the routing number/account number combination for this new account. They were unable to provide me any details ( e.g. ACH TRACE, information on the originating financial ( OFDI ) ) to help understand if this was an error on Ally 's part or a legitimate data breach condition. I attempted to talk to people higher up the chain however they were even more opaque on what occurred. Given the young age of the account, I am concerned that Ally Bank was the victim of a data breach and that I am XXXX the first customers to feel the impact of the breach.
There is a collection listed which is unknown to me, I have disputed this with no validation being received. Please help
Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me. 

Phone # XXXX
" " '' I have disputed this collection on this XXXX  XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I received notice this week that my credit score with Experian dropped 39 points due to my credit history category changing from excellent to good. The change was noted to be a result of the oldest acount on my record closing at the end of XX/XX/XXXX. 
I did not close the account. It was in good standing with a XXXX balance for over a year. It did not close due to ANY financial misstep on my part. It closed because the company ( XXXX ) went bankrupt and closed the chain of stores my account had been with for three decades. 
The loss of available credit can not possibly warrant a 39 point drop because my major credit card recently INCREASED my credit line, virtually the same amount, thanks to my excellent payment history with them. So my total credit available has barely changed. 
I am filing a complaint with Experian as well but want to let them know that their business practices, which penalize the consumer for the poor corporate management strategies of companies they do business with, is ridiculously misdirected and has been reported. Id like the 39 points restored and my excellent history left intact. Thanks to Experians actions, my good credit rating dropped to Fair and puts me at possible financial risk going forward.
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :