WillisBack/dataset-financial-user-claim huggingface dataset:
Missing debit/credit on ledger. I have a Hassle Free Account attached to my personal Checking Account at Key Bank. The Hassle Free account is used by my son who goes to school away from home. My son buys a week long subway pass every week in XXXX. On XX/XX/XXXX he tried to purchase a week long subway pass. The money came off of his debit card but did not transfer to his XXXX XXXX. He alerted the XXXX personnel and they said that they had processed a credit to his debit card. They said that the credit would show up in a few days and that if it did n't we should notify XXXX to get the money back. The charge showed on his ledger as a debit until XX/XX/XXXX and then it just disappeared off the ledger completely. ( He subsequently bought another pass that is debited on XX/XX/XXXX. ) This is extremely problematic and just exemplifies once again Key Bank 's Magical Accounting. If this has happened to my account without any explanation, how often does it happen to others. If a charge comes on the ledger then it either is debited from the account or credited back to the account, but it does n't just disappear. If I did not pay attention to my account as I do, then this might not have been noticed. I have attached statements from XX/XX/XXXX ( this one shows the charge in the pending section and also shows that my son bought another pass on XX/XX/XXXX. that charge was completed ) XX/XX/XXXX that is the first day the charge was missing and XX/XX/XXXX which shows that there is no charge on the ledger. I have documentation of the days in between to show that the item is missing and can supply these if needed.
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, XXXX, and Equifax about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
I try to login to XXXX XXXX  XXXX ( Blackhawk Network ) to check my gift card wallet balance, I get an error message. It is the same error message for the past month. I have prepaid/gift cards in my virtual wallet online that I can access or look up. It is incredibly frustrating because I do n't have all of my gift card numbers on me physically, but I do have them on XXXX XXXX XXXX ( then going to log in instead of registering ). I ca n't login and have tried calling them numerous times but the company still says they are still working on it. I need to access these funds and check my balances but I ca n't because they have neglected their websites and their clientele.
I do not know the company. Through security questions concerning my credit. I'm trying to rent to own my first new home. Through these questions I found XXXX insurance taken in a poe, jackel, clod,  blunder animal. There was also a mortgage taken in my name on XX/XX/XXXX and I've seen one for XX/XX/XXXX for between {$950.00} to $ {$2200.00}. I came to this knowledge through XXXX   saying it's in their records. Credit bureaus only show each year report, but, this clearly shows it stays on record even if it doesn't show on each years report. Someone help me find who is committing identify fraud.
Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed the problem.
XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them
This letter is regarding an account, which you claim I owe {$31.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.
I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.
A collection recently showed up on my report for {$250.00}, for what looks like an apartment management company as the original creditor. I Googled the original company, and while I 've lived in XXXX of the states where they have complexes, never in those cities ( e.g. lived in CO, but not XXXX ). I even looked up the old complexes that I did live in, and they have n't changed management. I wrote a letter to the collection agency stating that I need proof that the account is mine, and I stated everything I stated above. I went on to say that if I found that I was responsible for the debt, I would pay it promptly ( I have moved 5+ times in 2 years, so I 'm not trying to skip out on a debt, I may have just missed it ). I also disputed it across XXXX, XXXX and XXXX, but it comes back saying " Updated : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The collection agency has not responded to my letter, however, on my most recent credit report update, the collection is now reflecting as " closed ''. But it is still there as a negative mark. I do not understand. Are they unable to validate and instead of telling me that and removing it, they just mark it closed? This is negatively impacting my credit score at a time when I am trying to rebuild.
Pentagon Federal Credit Union sent me an erroneous notice about needing flood insurance on property. Ive had a HELOC with this lender for over 5 years and was never required to get flood insurance as the property was built above a 100-year flood plain. I called the lender and after a few transfers and absence of answers for the notification, I was told to disregard it. Fast forwarding it to day, i just saw my mortgage payment erroneously reflects an increase in monthly payment by {$2000.00} ( assessed charge for flood insurance ). This puts me at a potential of not making the new erroneous payment. This is a diceitful and erroneous practice of the lender. Asking for investigation, identification of root cause, and corrective/preventive action that insures other customers are not affected by these practices.
There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies.
In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.
I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.
I took out a loan with One Main Financial and paid it on time, I applied to have my home refinanced and part of the requirements of the loan was for me to pay off One Main Financial. I told the I would be paying the off and needed a pay of amount. on XXXX/XXXX/XXXX I received a letter from them ( attached ) with the payoff amount of XXXX for XXXX XXXX, XXXX and said there would be a interest amount of {$5.00} everyday after that. I paid {$8500.00} on XXXX XXXX, XXXX. They did n't tell me anything after that and I asked for a receipt or printout of what was paid. On the print out it said I owed them {$350.00} more with no explanation and the charged me a late fee win I was paying interest for everyday I was late. I will send attachments.
Equifax made an update to my XXXX XXXX XXXX loan and changed the status from open account to closed account without validation directly with the creditor. XXXX XXXX is not reporting the account as closed, it is an open account in good standing
I had my Wells Fargo debit card stolen. I contacted Wells Fargo and filed a claim. I was questioned who, what, where, when and how. I gave them a full description of what happened. I closed the card and was going to be issued a new debit card. I then received a letter basically stating my claim was not valid and that I owe the amount of {$XXXX}. This amount was not nearly what I had available in my bank account. I then requested that the claim be reviewed again and did not hear back from them until I received a bill from a 3rd party collector on XX/XX/XXXX. I sent a validation letter on XX/XX/XXXX and to date, I have not heard back. I have never received statements on how they came up with the amount.
Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.
As stated in my previous complaints about FAY SERVICING, we have had a nightmare loan modification process with them. Please reference CFPB claim number XXXX for the backstory. 

When we did finally receive a loan modification from Fay, we were informed that the modification would be final after completion of the initial trial period, and after that we would received the documents. XXXX XXXX explained the terms to us, but nothing was emailed, they refuse to put anything in writing, and will only explain things over the phone. When we received the documents, we did sign them, making the unfortunate assumption that they contained the same information that was explained on the phone. It does, but buried in the document is also a balloon payment which will be due when the loan is to be paid off. I do not see how this can be legal! They agreed to assist a struggling borrower, to reduce the interest rate, and now are demanding a balloon of over 400k, at the end of a 30 year term, when the house ( original loan amount XXXX ) should be paid off at that point. This is extremely unethical. 

I've attached copies of the documents we received ( the first document that details the terms was never sent to us, I had to request it from my account manger and have only seen it in XX/XX/XXXX ) documents are encrypted, password is XXXX.
In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX  transuinon and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.