WillisBack/dataset-financial-user-claim huggingface dataset:
I was informed via XXXX department store roughly a year ago that a person in XXXX was able to use my social security number to use my XXXX account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. XXXX also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that XXXX said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.
I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. 

I told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. 

I have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. 

I spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? 

Is she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. 

So this is what they call scamming the elderly.
The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. 

On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. eventually, at the suggestion of counsel, a Cease and Desist letter had to be issued -- included in the attachments -- - to stop the calls and letters stopped. 

On XX/XX/XXXX the amount of {$990.00} was paid, later retracted. Then on XX/XX/XXXX, well under extreme duress perpetrated by Knight Adjustment Bureau, the amount of {$1100.00}, was paid to prevent any additional harassment and threats. The whole ordeal of XX/XX/XXXX, was spread over many phone calls, and involved threats and harassment perpetrated by Knight Adjustment Bureau. 


My info Name : XXXX XXXX Email : XXXX Phone : XXXX There info : located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax : XXXX Email : XXXX Email : XXXX Note : Feel free to contact me for any follow-up, note I do not answer numbers I do not recognize, mostly for reasons stated above. email is the best contact.
On XXXX XXXX, XXXX, at approximately XXXX EST I went to the ATM and requested to withdraw {$200.00}. The machine did not dispense any cash and gave me a receipt with an error message indicating the amount I requested and that {$0.00} was dispensed. A few minutes later, I received a text alert from Rush Card indicating that {$200.00} had been deducted from my account. I immediately contacted them via email and phone to dispute the transaction and was informed that I needed to provide a dispute in writing. On XXXX XXXX, XXXX, I submitted a copy of the ATM receipt and the signed dispute form to Rush Card via fax and email. The same day I received an email from Rush Card customer service acknowledging receipt of the documents and indicating that I may check back within 1-2 business days. 

On XXXX XXXX - XXXX, I contacted Rush Card via email and phone requesting the status of my dispute and was informed that I would have to wait 10 business days for their XXXX XXXX to determine if a provisional credit should be issued. When I inquired why I had to wait, I was informed that I just do, that is there policy. I requested to speak with the XXXX XXXX and was informed that cardholders are only allowed to speak with the Dispute Office when the initial dispute is filed. After the dispute it received, cardholders can no longer be transferred to speak with the Dispute Office but are required to contact customer service who will send an electronic note to the Dispute Office. I have been a cardholder since XXXX, always kept my account in good standing, have bi-weekly deposits from my employer and never had to dispute any transactions. So, bearing this in mind the lack of concern and poor customer service that I have received regarding this dispute is disappointing and unacceptable
On XX/XX/18, I purchased over $ 10k worth of cosmetics from a business on the XXXX XXXX XXXX. I wound up returning the items, even though the receipt said all sales are final. Someone with XXXX XXXX XXXX accepted one of my packages. The other package was refused by both myself and XXXX XXXX XXXX, and this package wound up just sitting at a XXXX XXXX hub for disputed packages. I have no way to find out if this package was ever eventually returned to XXXX XXXX, because I had refused this package at my residence, and I had no tracking number, not to mention I didn't have XXXX XXXXXXXX XXXX 's XXXX XXXX account number, for obvious reasons. 

So basically, I'm paying Citibank for over $ 10k worth of cosmetics that I have never had. So besides THAT, Citibank continues to charge me fees for this whole purchase. Additionally, on approximately 3 occasions since XX/XX/18, Citibank has sent me letters in the mail or emails saying that my dispute was resolved, leading me to obviously believe this. 

Besides continuing to pay for goods I have never had, my credit score has been lowered over 150 points as a result. I continue to attempt to pay down my credit card bill, so it won't be affected even moreso.
On XXXX/XXXX/2017, Equifax announced that a hacker obtained information about 143 million consumers. This data included Social Security numbers, birth dates, addresses and, in some cases, driver license numbers.
Users can check if their information has been compromised by going to equifaxsecurity2017.com. It was determined my information may have been compromised as part of the attack.
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my Credit Karma account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
Citibank XXXX XXXX from XXXX XXXX, XXXX - XXXX Loans XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept.
XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I have enjoyed a TJmaxx credit card for 5 years. My credit card has a XXXX balance. I haven't charged anything in 6 or 7 months. My credit card has always been paid on time. 

Today, I arrived home to find a letter stating that you have closed my account????? ... due to insufficient credit score????? 

I just received this week a credit card from XXXX XXXX in the amount of XXXX based on my current credit score.
I have previously submitted disputes to Equifax and XXXX regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX Personal Loan - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$7000.00} - FRAUD
I got a letter from a collection agency on XX/XX//19 called XXXX XXXX XXXX. I have never heard of this loan and think it's fraud or identity theft. I've never seen a bill for it & it's never been on my credit reports. I called Navient & and they said they would mail a promissory note but that proves that money is owed, not that i took out the money. I want to see proof i signed for this loan, something with my signature on it proving i took out this loan. For all i know it's internet crime and i don't owe them anything. I want proof that i can see with my signature saying i took this loan out & it went towards my college education.
XX/XX/2017 I OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICE AGAIN XXXX XXXX XXXX CURRENTLY REPORTI

NG FOR 6 ACCOUNTS WHICH APPEARS TO BE DUPLCATE OF 4. ITS 6 ACCOUNTS 4 ARE THE SAME SHOWING THE SAME ACCOUNT NUMBERS BUT DIFFERENT OPEN DATES WITH THE SAME AMOUNT I CONTACT
ED XXXX XXXX XXXX FOR VALIDATION AND AFTER 30 DAYS I RECIEVED NOTHING I DONT BELIEVE THESE ARE MY DEBT AND SHOULD BE REMOVED IF XXXX XXXX CAN NOT PROVIDE THE PROPER INFORMATION ON THE DEBT REPORTED
I received calls two days in a row from XXXX, claiming that I owed $ XXXX for two unnamed items. I waited for an operator to come on line. I then explained that I had no such bill. She apologized and said they would remove my name. Identical recorded message both days. Both days I threatened to contact authorities. She hung up.
I had opened up a new XXXX Charge Card and the billing address was misinterpreted by the clerk and I never received a billing statement to pay it off until a Credit Collection Agency ( XXXX XXXX XXXX ) hunted me down and made me aware of the unpaid overdue balance. I negotiated a settlement payment with them and sent them a check to pay off the debt. They are still listing the write off they agreed to of {$77.00} as unpaid and overdue. Numerous phone calls to this agency to correct the problem has been fruitless. They say they will notify the credit reporting agencies to remove the debt but they never do. I consider this company to be a sleazy operation.
A fraudulent charge of {$160.00} was made by XXXX using my TD Bank debit card in XX/XX/2017. I reported the fraud to TD Bank multiple times and the issue has still not been resolved. 

- TD Bank first told me that they would investigate, but I didnt hear back. 
- I called TD Bank again and was told that I had to resolve the matter myself with XXXX XXXX. 
- I spoke to XXXX XXXX and they told me that I had to resolve it with my bank. 
- I called TD bank again, waited for a response, and was eventually told that the claim was denied because they couldnt find any evidence of fraud, but I could not talk to anyone who actually did the review or made the decision. I was told that I must file a police report at my local precinct for then to re-evaluate the case. 
- I filed a police report, went to the TD Branch and had the claim revisited. I was then told that the claim was denied because, again, they couldnt find any evidence of fraud. 

I believe that TD Bank purposely made me go to the police just because they thought I wouldn't want to spend the extra time and they could ignore my case. 
XXXX XXXX says that they will not talk to me about the details because I should be dealing with the bank. 

TD Bank later said that if I file other requests with XXXX XXXX to force them to give me details about the transaction that they will review it again, but I believe that once again they are counting on me thinking it is not worth spending further time on this and that I will just go away. 

Can you please help me resolve this?
I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.
I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm
On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.
I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading.
I have attached a complete statement with supporting documentation here. 

Briefly, I was contacted by two ( 2 ) credit reporting agencies I retain to monitor my credit report activity that Mr. Cooper/Nationstar Mortgage ( Cooper ) had filed notice of two ( 2 ) late or missed mortgage payments. 

In review, the alleged missed payments have been reported to the credit reporting agencies as XXXX and XXXX XXXX Cooper has applied payments made as of XXXX and XX/XX/2018 to months XXXX and XX/XX/2018, thus fraudulently attempting to induce the credit reporting agencies to lower my credit rating and make it appear I have not made timely payments according to Cooper billing statements and its notation that " I could rest assured the terms of my loan will remain the same, as transfers like this are common and do not reflect on the borrower in any way. '' Cooper has also failed to appropriately act on a County of Hawaii Real Property Tax Department exemption based on my VA XXXX XXXX status that has reduced my real property tax to {$200.00} for the fiscal year. Cooper has noted on its website that a refund is allowed to me for {$1000.00} plus from its escrow account, but is alleging the refund will not be processed due to my mortgage account not being current. Cooper has also failed in its recent assessment of the escrow account to reduce my tax payment based on the property tax exemption for the remainder of the year, thus my monthly mortgage payment has not been reduced. 

Finally, based on Cooper 's erroneous calculation in manipulating my timely mortgage payments, my credit score has been reduced by XXXX points placing my credit rating in an unsatisfactory category.
Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX   which I am not located in their systems. I have contacts XXXX several times with these issues and nothing has yet to be done. I have also asked XXXX for written proof of verification and was told they do n't have any. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company has been calling my previous job. After contacting them I asked why I didnt receive a letter in the mail or a phone call on my personal phone, she stated she didnt know why. I asked for a letter stating the debt and my options of any, she refused and said she could do it via email. I stated I needed a letter in the mail, and she said I do not have time to mail anything as a judgment will be sent over to your local court house tomorrow. And they will put a judgment on your name, and garnish your wages. I asked why she was talking to me in the tone she was talking to me in, and she hung up on me. I tried to call back and the number is not working now, and my calls wont go through.
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue an I want my state tax return to me.
Experian continues to report a XXXX account and XXXX account that are not mine on my report. I have contacted them multiple times to verify these accounts and they have failed per FCRA, including my request for a method of validation. 
Yesterday, I filed a police report with the XXXX Sheriff Department ( Case # XXXX ). I am requesting that these items be removed. 

Additionally, the only inquiry I have requested is from XXXX. Inquiries from XXXX, XXXX and XXXX are fraudulent and included in my report. I granted no permissible purpose and dispute the bureaus answer of it being a factual record of file access. 
I am requesting that these 3 entries be removed.
I was given XXXX ( XXXX ) XXXX gift cards ( {$50.00} each ). The front of the packaging indicates that the cards were valid through XX/XX/2020. On the back of the card there is verbiage that " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity ... '' What I did not realize and which I believe is intentionally unclear is that the cards were " ticking '' from the time the person who gifted me bought them. I do not know how long my donor had them ; I tucked them away to use for some future special purchase, confident in the 2020 expiration date. Recently I was ready to make that " special purchase '' and was surprised to find that the cards could not be used because their value had been whittled away to {$8.00} each because of inactivity fees! I was able to get only {$24.00} restored to each card by working with U.S. Bank ( their records supposedly only go back one year ( XXXX x {$2.00} = {$24.00} ). I truly believe that the packaging of these particular gift cards is intended to be vague so that neither the donor or the recipient is aware that " time is of the essence ''. I truly thought that the $ XXXX monthly deduction would begin after the first time I used the card at a retail register. I have other gift cards that I have received, and none of them have these harsh conditions ( you can be sure I looked closely at that after this event ). It is fine with me if MC and U.S. Bank want to run their business by eroding the value of a gift card ( for which they have received their money ), but I do think that they should have to make it clear ( and abundantly so ) that their gift cards are diminishing in value second by second, minute by minute. " Use your card NOW or it could be worth very little or nothing in the near future '' should be emblazoned on the packaging.