WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of true name identity theft and I periodically check my credit bureau reports for activity and to dispute items on my reports. I have had issues with Transunion in obtaining my credit reports and each time I try to access my reports online, I get an error stating that " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. '' Its the same information that I have provided time after time and I continue to get the same error and when I call the number they want me to send this laundry list of items to get my report. 

Additionally, when I am able to get my report, Transunion does not complete a full investigation and continuously labels my disputes as verified and when i contact the information providers they state that they never received any dispute information. In one situation, I disputed an old bankruptcy and it came back verified and would not be removed yet when I contacted the clerk of the court, they had no record of anyone contacting their office from any credit reporting agency. My social security information on my petition was redacted and when I brought this to the clerk of the courts attention, I was told that they do not give information to any third party including personal information. I believe they are obtaining information unlawfully as well.
In XXXX XXXX I deposited XXXX checks from an insurance company into a XXXX Savings account with Bank One in XXXX, Ohio. In XXXX XXXX the account had a zero amount the account was depleted of money by bank employees. In XXXX someone removed money from the XXXX Savings account and invested it with Banc One Securities I never knew of this transaction until XXXX XXXX I got a statement from Chase Bank securities saying that I had to acknowledge this account or it would be depleted. How could I respond to a letter not knowing what it was all about because I never set up the account. In XXXX a XXXX XXXX from the trust account department met me at the bank but never bothered to tell me about this account. He appointed himself my investor and took over the Banc One Securities account. As with the {$70000.00} that was in my checking account in XXXX and a XXXX XXXX removed it without me writing a check.The {$70000.00} was invested with an XXXX XXXX company and then in XXXX {$54000.00} of the {$70000.00} was put in a Chase Bank Securities account for my daughter XXXX. {$200000.00} was removed from my Money Market savings account and put in a Bank One savings account then in XXXX XXXX I was called to come to the bank and a XXXX XXXX set up a Trust account I was n't ready to deal with the insurance money they took it upon themselves to handle my money. I was like putty in their hands because I was grieving my husbands death and ignorant of the ways of banking. In XXXX XXXX XXXX removed {$62000.00} from XXXX of my accounts and invested it with XXXX different firms I never got this money back. I called the bank in XXXX and a XXXX XXXX after typening in my SS number read off an amount of {$380000.00} then called me telling me a XXXX XXXX XXXX had to handle this account I never received this money. This is a story that needs to be told people need to know what to do if they are missing money from their accounts. I feel the bank employees are in charge of the bank there is no one watching them they have free access to any depositor 's money.
Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? 
Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. 
Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. 


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Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 

1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. 

Kindest Regards, Frustrated Consumer
I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.
The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.
I KEPT RECEIVING LETTERS FROM THIS COMPANY BY POSTAL MAIL.,, IN THE SUMMER MONTHS AN INTO THE FALL .. SO IN XXXX I HAD A REALLY BAD BASEMENT ISSUE WITH FLOODING AN NEEDED SOME CASH TO FIX THE PROBLEM .. SO I KEPT GETTING LETTER SAYING I WAS PRE -APPROVED FOR XXXX SO I APPLIED ON LINE THEN SOME ONE CALLED ME IN READING THE TERMS I FOUND THAT I ONLY BORROWED XXXX BUT AFTER THE MONEY WAS DEPOSITED INTO MY BANK ACCOUNT I PRINTED OUT ALL THE LOAN INFORMATION AN FOUND THAT THEY WANT ME TO PAY XXXX A MONTH UNTIL XXXX XXXX SO I PAID THE FIRST XXXX IN XXXX XXXX XXXX SO I LOOKED I SAW THEY WANTED THIS AMOUNT EVERY MONTH UNTIL XXXX XXXX SO IN XXXX I CALLED THEM TO ASK COULD I LOWER MY PAYMENT I AM XXXX AN XXXX AN I WANTED TO STOP THE AUTO PAYMENT AN THAT I WAS ON A FIXED INCOME AN HAD NO IDEA I WOULD BE PAYING BACK XXXX AN I I GOT WAS XXXX SO I TRIED TO GET THE PAYMENT DATE CHANGED AN PAYMENTS LOWERED I JUST SENT THEM XXXX AN THEY CHARGED MY BANK A INTERNATIONAL FEE OF XXXX FOR PAYING MY BILL NEVER TOLD ME THAT I WAS OVER DRAFTED WITH MY BANK SO I TOLD THEM I WAS FILING A COMPLAINT WITH ALL THE AGENCIES IN MICHIGAN IN MY STATE THIS IS CRIMINAL,. WHEN I ONLY GOT XXXX AN WAS PREPARE TO PAY 3 OR 4 PAYMENTS OF THE XXXX TO GIVE THEM BACK THERE XXXX THEY TOLD ME I COULD NOT GET THE PAYMENT LOWERED I WOULD HAVE TO PAY THE WHOLE LOAN BACK OF XXXX WHEN I ONLY GOT XXXX OR I HAVE TO PAY UNTIL XXXX XXXX XXXX THIS IS CRIMINAL AN UNFAIR LEADING PRACTICES AN THEY DONT TELL U THE ARE NOT IN THIS COUNTRY, ,THEY ARE CHARGING U ANOTHER FEE JUST TO PAY UR BILL WITH THEM.. A INTERNATIONAL FEE..OVER XXXX I WAS CHARGE THE XXXX I PAID THEM AN A INTERNATIONAL FEE OF XXXX .. I HAD NO IDEA THIS WAS A PREDATORY XXXX COMPANY I WAS REALLY IN NEED OF A HOME REPAIR AN I HAD NO IDEA THIS WOULD BE HAPPENING TO ME I CAN NOT AFFORD XXXX A MONTH FOR 12 MONTHS,, AN PAYING XXXX FOR XXXX I THOUGHT THREE PAYMENTS OF XXXX WOULD HAVE BEEN MORE THAN ENOUGH TO PAY THEM BACK AFTER I PAID THE XXXX ON XXXX I TRIED TALKING TO A SUPERVISOR AN TRIED TO MAKE OTHER PAYMENT ARRANGEMENTS THEY TOLD ME NO.. SO I AM FILING COMPLAINT WITH BBB CONSUMER AFFAIRS AN THE ATTORNEY GENERAL OFFICE AN THE LICENSE AN REGULATION BUREAU IN MY STATE,, I CAN NOT PAY MY OTHER BILLS FOR TRYING TO PAY BACK A XXXX LOAN OVER XXXX FOR 12 MONTHS THANK XXXX XXXX XXXX
I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!
DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information
My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.
I would like to request the following items to be remove off my credit report " XXXX and XXXX " in the next 30-45 days if possible. I have never applied for credit or benefit financially in anyway from these two companies. I previously contacted " XXXX XXXX  '' and explained the situation and they assured me to fix the problem. It's been 8 months since the last contact and nothing has been resolved. The following item is damaged my credit and it's jeopardizing my ability to find housing because my credit decreased Please expedite my case since I have worked diligently to have a decent credit and having a negative or a hard inquire mark in credit report is jeopardizing my ability to find housing or credit anywhere else. therefore Id like to see this matter to be resolve in sensitive time manner. 

Sincerely, XXXX XXXX XXXX
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX XXXXXXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account. 
I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account. 

Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous
Original loan service purposely kept me in default to collect outrageous fees and interest for years without every paying a dollar toward principal. I inquired about ways to get out of default but was n't given workable option. Told I had to make double payments for a year -- close to $ XXXX!! Finally knew someone on the 'inside ' of this corporation and they helped get me out of default. My loans were bought out but still have a have a loan balance equal to what it was even after paying thousands via default. Thinking I was victimized. ZERO communication from lender in order to keep me in default. How do I find out if I was taken advantage of while kept in default??
I monitor my credit report on a monthly basis and it appears that a company other that the original creditor is attempting to collect a debt. I was not notified via email, phone, and by mail to inform me of this proposed collection. I have never interacted with this company. A letter of validation was sent to company. I did not open any account with Security Credit Services.
I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.