WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 a fraudulent charge was made on my card with Kohl 's for XXXX. After numerous attempts to contact the fraud department to report the charge there is still a remaining balance of {$74.00}, even after returning all the boxes back to the Kohl 's store that were shipped to my home address. There were approximately 11 large boxes of XXXX ordered fraudulently. I 've requested to close my account yet the account still shows a balance. I have not received anything but the runaround from the Kohl 's representatives and need assistance with this matter.
Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.
This all started in XXXX of XXXX. I had a XXXX XXXX credit card that was financially backed by XXXX. I could no longer pay due to unemployment and it went to bad debt. Eventually XXXX discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
Online Collections recently reported a collection account on my credit report. They had already reported this same collection account on my credit report for a period of seven years. However, due to the seven year rule on the Fair Credit Reporting Act, the account simply dropped off my credit report. Recently, Online Collection changed the date of last activity on this account ; I assume so they could put it back on my credit report. But this time, they did not provide a notice of right to dispute before reporting it.
Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.
I Have disputed items with the creditor, after sending several letters to the creditor and never receiving any response from the creditor. They are in violation and have no verified or deleted the information. 
I have also disputed this same information with all XXXX bureaus and yes they have failed to investigate or remove these items. 
neither the creditor or the bureau have followed the FCRA and i want this information removed an I want an investigation against the bureaus and the creditors.
I have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # XXXX XXXX/XXXX/XXXX
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. Experian still showing as XXXX  XXXX/XXXX  XXXX as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted Equifax and XXXX  even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, Equifax deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, Equifax adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. XXXX  supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.
I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX  multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX  and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX  at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.
I found out the company is owned by XXXX at XXXX XXXX, OR XXXX and that is who filed the complaint with Equifax. I just double checked with the leasing office that I applied to that received this fraudulent information from the credit report from Equifax telling me that it was the last apartment I lived at and gave me the property name of XXXX that was on the credit report. This company runs XXXX and XXXX my Account ending in XXXX. I will attach my ID that has nothing to do with the address where I use to live, but I hope it helps. I can also attach a photo of the first page of the first year lease. Also it 's {$650.00} that is listed that I owe on the credit report - my rent was {$680.00} - they had me moved once and possible are confusing me with someone else 's old lease - they actually owe me money, security deposit - {$150.00} - possibly being accused by two roommates whom verbally and physically assaulted me continuously accusing me of not paying the electric bill ( verbal abuser replaced her lease to a physical abuser ) They felt I was solely responsible for the electric bill ( which all my payments are noted on EWEB for my share or I have a receipt for the much earlier ones to this of the physically delivered payments to the verbally abusive roommate whose name was on the bill. Being XXXX, it appeared the office was abusively discriminating me to this constantly trying to run me out. I have video on Instagram to the physical abuse and living conditions to this as well as emails from XXXX ignoring my cries and even trying to throw me out to previous cries before moving me to this different room when I was getting seriously ill from smells of heavy drug use which I reported to campus police.
Went to apply for a job and was informed I owed XXXX for an account that was opened with Bank of America. I don't understand why I would owe when I am part of a class action lawsuit against bank of America I tried reaching out to the bank and which they informed me they couldn't locate the account. This balance were fee accesses
On XX/XX/XXXX, I was reviewing my XXXX checking account and noticed I had Non-sufficient fund transactions ( NSF ) actions on XX/XX/XXXX, XX/XX/XXXX where there were clearly enough money to pay the minimum payment amount that I authorized to be withdrawn monthly for my minimum payment amount to Sears Citi. I called my bank to address the XX/XX/XXXX and XX/XX/XXXX transaction and they agreed that something clearly was not right about the transactions being that there was ample funds in my account, and all of the previous authorized monthly payment from Sears were withdrawn from my account ok. Unsure what happened they agreed to investigate. On XX/XX/XXXX, I checked my XXXX bank account for review and noticed another NSF fee from another Sears transaction dated XX/XX/XXXX. At that moment I immediately phoned Sears ( recording stated call was being recorded for training purposes ) to find answers on why my authorized minimum payment was not being withdrawn from my bank, and why I was accumulating NSF transactions when there is clearly funds in my account. The representative then informed me that Sears was attempting to make a withdrawal from my XXXX account in the amount of XXXX dollars for the balance of a promotion from XX/XX/2016, which I did not authorize Sears to withdraw any money from my XXXX account at the end of the promotion. I never received any call or mail correspondence in regards to authorizing Sears Citi to withdraw money from my XXXX account for balance from a promotion, and found this action to be truly unlawful and warranted legal action with punitive damage ( recurring NSFs can be detrimental to my home buying process, employment, and my good history with my bank ). Decided to contact CFPB to ensure that myself and other law abiding citizens are not being tricked, as well as have unlawful, unauthorized bank account withdrawal by Sears Citi.
I have receive repeated calls from Merchants Credit ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX // ( XXXX ) XXXX ) most recently a XXXX XXXX stating that I owe money for an unpaid medical bill. After being repeatedly asked to provide personal identification information which I declined to provide because I felt that providing this information presented an identity security risk, I provided my current address several times and I have yet to receive a copy of the unpaid bill and Merchants Credit has falsely reported this information to the credit bureaus negatively damaging my credit rating.
I made a on line purchase on a gaming website called XXXX you buy video games. How ever I purchased a game as a gift for my nephew called XXXX. due to the game being new his laptop did n't meet the requirements. This purchase was made on XX/XX/XXXX. So I went in on my account and requested a refund, which the web site stated I had 14 days to do so. I requested this refund on the 10th day. I let a eek go buy waiting for my refund and I did n't hear anything, I called my bank which I have my jobs direct deposit going into. I 've been with American Express bank since XX/XX/XXXX. I do n't get any help with regards t refunds with this account. this has happened to me several times. The replied to me by email requesting documentation on this transition. I sent them email screen shots of the purchase and ell as a screen shot of the refund request I had to request twice from them. the have denied my claim 3 times and I do n't feel I 'm getting the right judgement. I am going to close this account down due to the fact that I do n't get any help from the dispute department. We never got to play the game and I requested my money back in time so I do n't understand why I ca n't get my refund.
I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
A student loan was took out using my information. I have tried to get information from the creditor, however they can not validate this account Because its not under my SSN. I was deployed when this happened and the credit bureaus still have not updated my credit report. I have provided XXXX and XXXX  documents ( police report and FTC report ) to support my claim an they have yet to update my report.
Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

My PIN is XXXX.
I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.
This case has been going on for over ten years and little by little Weltman, Weinburg, & Reis co. L.P.A. have been extorting money from my accounts in small increments. They are so sneaky that when I reviewed my credit reports, this debt never even showed as a viable debt to the credit reporting agencies, this could only be reported as an inquiry. This is why I never caught it, regardless of which ever judge agreed to this Judgement, that is fraud! This all stems from an advertisement circular " XXXX '' that I reached out to increase clientele volume at that time. With any and all marketing executions it is always required that you sign off on an advertisement before circulation. The XXXX INC. DBA XXXX XXXX XXXX took my initial signature of proceeding to do business with them and based there entire approach off of that, and they knew that!! there were multiple mistakes made on there part, all of which needed to be corrected but went forward with the circular any way. " They even put the wrong number on the circular '' This company is no longer in business and I am not the only person they have manipulated and taken complete advantage of. this has grown to {$10000.00} in total debt, and the collection firm and the owners of the XXXX XXXX have not only betrayed my trust, but this law firm has colluded with the owners of the XXXX XXXX and creating this trumped up debt. When I walk into the bank now, I am just so mortified, do to the lien that has been placed on my account. This money that was taken was Federal grant money that was given to me for my education on completing by bachelor 's degree in science, with certification in digital integrated marketing. In closing I have always done the right thing since the great fall out I have acquired my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Life, Health, Accident, Disability and Annuities '' I am not one to look for an easy way out, I grind out and get things done. These little individuals want something so now they are going to get it.. I WANT CRIMINAL CHARGES BROUGHT AGAINST ALL PARTIES THAT ARE INVOLVED!!!
They continuously and repeatedly call me despite being advised I am not the person they are trying to reach. We share a name, but that is all. I have confirmed my information several times in the past, I have checked my credit reports I am not the person they are seeking. I am receiving multiple calls daily at this point interfering work, I have asked them repeatedly to stop calling. When they call they are badgering, demanding I give them my SSN or other personal info without providing any context to the call, it has only been when I call back that I am able to obtain the name of the company and discern the purpose of the call.
Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.
A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.
I made a payment to XXXX for the amount due on the due date. It was after I got home from work, about XXXX XXXX and submitted it. When I checked my statement today I saw they charged a late fee of {$37.00}. The due date was the XXXX of XXXX  and made on the XXXX. They processed it on the XXXX. When I questioned them on the charge they said I made it after XXXX  Eastern time. There is no place on the statement giving a time restriction. If that was the case they should have required it be paid a day earlier so they can do their job and post it properly.
I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?