WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX  Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX XX/XX/2018 and XX/XX/2018 and XX/XX/2018 EXPERIAN inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
My wife and I have been having difficulty with U.S. Bank regarding a business credit card and have tried on numerous occasions to resolve the issue. They claim that are mail is undeliverable the past XXXX months so we could not get a credit card statement. When we went online no statement was issue from the last one posted XX/XX/2017. The minumum payment was XXXX we paid XXXX. We sent XXXX payments certified mail with money orders. We tracked the Money order and Certified mail and they were accepting delivery and cashing the money orders eventhough we received no statement paid in good faith XXXX. They refuse to post the payments that we made and charged us late fees cashing money orders after the due date. We were also charged interest rates last month XXXX now XXXX %. Last Month XXXX we sent a certified return receipt and they did post a XXXX payment but still refused to post the past payments. We contacted the Attorney General of Washington XXXX and showed the documents along with the claim of undeliverable mail.
The evening of XX/XX/XXXX I learned that I was a victim of an email scam and wire transfer fraud resulting in a loss of {$54000.00}. 
We sold our home in XXXX, CO. We closed on the sale XX/XX/2018. 
We were in the process of buying a home in XXXX, NM. We were closing on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NM XXXX. 
XXXX XXXXEscrow Officer XXXX XXXXEscrow Officer XXXX XXXX It was revealed at this time that a company who claimed to be the closing partner of Old XXXX XXXX XXXX had requested a wire transfer from us for {$54000.00} on XX/XX/2018. We wired the money to the partner. Buyer, XXXX XXXX XXXX sent an email to XXXX XXXX, the Mortgage Consultant asking if this was a legitimate request. He [ bogus reply ] responded, I advise for you guys to wire {$54000.00} ( Cash to Close ) today to the wiring instructions sent by XXXX this morning. I wired the money as per the Wire Instructions. 

The parties involved were : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX-Escrow Officers XXXX XXXX American Financing, XXXX XXXX-Mortgage Consultant XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX , CO XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX-Agent XXXX XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX, NM XXXX My desired resolution is to get my money, {$54000.00}, back. 


Wire Transfer date : XX/XX/2018 Sent from : XXXX XXXX XXXX Wire transfer amount : {$54000.00} Reported fraud on XXXX XXXX XXXX Checking account frozen per advice from XXXX XXXX recommended that I file a police report Action taken by XXXX : Recall As of my inquiry on XX/XX/XXXX to XXXX, the investigation is closed. The receiving bank, J.P. Morgan Chase declined the recall. According to information given to me by XXXX, the bank that received the wire transfer had its routing # and account # at XXXX XXXX XXXX XXXX, XXXX, NY.
I have been a member since XX/XX/XXXX and when up until a few years ago I had a fixed APR for purchases of 7.99 % they raised it to 10.99 % fixed APR a few years ago which I was not happy with but was still okay with it. Now today XX/XX/XXXX I just received a letter telling me they were going to raise my APR to 17.99 % variable based on the prime rate. I feel that is just unacceptable and I feel is totally unjustified due to the fact I have never been late on my credit card payments or have not had any over limit fees and according to them I have an excellent FICO score. I am currently caring a pretty high balance on this card but have always been prompt to make my payments on time and have been paying them the trailing interest at the 10.99 % fixed rate and will be hoping this change will not be able to effect the 10.99 % fixed rate on that trailing balance.
Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.
I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.
Bought shirt online. Returned shirt. Never properly credited. Late fees on an amount I did not owe went up to {$280.00} from {$30.00}. I never owed them anything. Transunion refusing to remove from credit report.
I have a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and syrchrony bank. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
I have received multiple calls from Portfolio Recovery ( Portfolio Recovery  Associates, LLC   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I owe  XXXX   XXXX  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I informed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed the Time Barre d that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
I contacted Herbies Auto Sales ( XXXX XXXX XXXX XXXX ) about this consumer action ( XXXX XXXX XXXX ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release for my car purchased in XX/XX/XXXX. <P/>I was told today when I talked to YKS management that my account was " credited '' the amount of {$470.00} last XX/XX/XXXX. The problem with this resolution is 1 ) I never received any information from YKS in writing indicating this credit was applied to my account at any point prior to my loan being satisfied or after. 2 ) the manager also asserted this {$470.00} credit satisfied the terms of the CFPB settlement agreement despite what the actual consent order says that the actual refund should be for {$1600.00}. <P/>Nothing on any of my bills received from YKS indicated any kind of credit lowering the total balance owed.
I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.
XXXX Potentially Negative potentially negative icon show account button Account NameXXXX   Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX 
Called XXXX to report deceptive practice from XXXX XXXX Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with XXXX XXXX   Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to XXXX XXXX. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the XXXX  XXXX  card after I paid off the TV. 

The sales person at XXXX XXXX  flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by XXXX XXXX   employee.
I received A auto insurance bill for {$300.00} after policy was canceled although my premium was only {$110.00} per month. There trying to say they kept my police opern for three months with no payment. no way they would cover anyone for three months with no payment. I am willing to pay for the month I owe but they hold you hostage with the threat of destroying my credit for a bill I do not owe Please Help!
Personalreports.lexisnexis.com has incorrect information. None of the information is correct. Information may refer to someone else.
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.
This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.
suspicion of identity fraud, from " mother " XXXX XXXX, Police report in progress
I recently pulled my credit report with XXXX and XXXX and saw that reported me as a collection account. I immediately disputed this information with XXXX and XXXX. I unaware of this collection account and paid XXXX directly. I have written letters to DCI on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. They responded by updating the pay date to the date that I paid XXXX. I have asked for verification of this debt and the disclosures sent to me under FCRA but to no avail - I have received no response. They are in violation of the FCRA because they will not verify this debt or provide proof of disclosures. 

I have requested an investigation by DCI but to no avail - they have not answered me at all.
XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.
XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
This is regarding false advertising, regarding " Bi-Weekly Mortgage '' plans. 

I received a solicitation containing many false claims. ( attached )
I have had a issue with my account from XXXX XXXX XXXX being removed from my credit file since XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX XXXX submitted a XXXX performance through the XXXX department at Transunion to rectify the situation. I checked my credit report and also spoke with customer service rep and supervisor who were clueless about this information and stated they could not give me any further any further information. I simply would like my account to reflect on my credit report because this is drastically affecting my credit.
XXXX XXXX Acct # XXXX amount XXXX DateXX/XX/XXXX
Today, XX/XX/XXXX @ XXXX, I spoke with XXXX ( ID # :XXXX ) in the Chase Corporate Office concerning, my checking account and the Chase Collections Department ( s ) unlawful and unauthorized withdrawals of my " personal '' cash deposits/monies deposited in my " personal '' checking account to cover my own debts. I shared with XXXX that I have monthly withdrawals from a Life Insurance Co. coming out of my " personal checking account '' ( tonight, usually paid on the XXXX of each month ), I shared with her that I " needed '' to speak with a Chase manager ( during our telephone call ) ; however, she REFUSED to allow me to speak with a manager ( citing, a manager would be phoning me ASAP ), I shared with XXXX that I have already spoken with XXXX ( and wasn't requesting to speak with XXXX )., I shared with XXXX that XXXX telephoned me to report that she had received my complaint 's. I requested ( from XXXX ), the address of the CEO, I shared with her ( XXXX ) that I have written personal check 's " to be PAID '' from my personal checking account ( FREQUENTLY ), I shared with her that my ADULT daughter made payment arrangements with the Chase Collections Dept. for her own CHASE debt ( beginning, XX/XX/XXXX ), I shared with her ( XXXX ) that Chase shouldn't be withdrawing monies from my personal checking account ( to cover my ADULT daughters debt ), I shared with her that my " personal CASH monies '' deposited have NEVER ( in the past ) covered my daughter 's debt to her personal CHASE checking account ( in the past ). And, XXXX agreed with me. My daughter, is an adult. I am NOT responsible for my adult daughter 's CHASE debts. Tonight, I deposited {$94.00} to my " personal checking account '' for my monthly Life Insurance Policies {$28.00} and monies to cover my PERSONAL {$65.00} check. However, Chase Collections Department continue to unlawfully withdraw my " personal CASH DEPOSITS/monies '' from my " personal '' checking account to " cover '' my adult daughter 's previous CHASE debt 's ( in spite, of my external filed complaint 's ). In spite, of my many, many filed internal Chase complaint 's. In spite, of my adult daughter 's payment arrangement 's made recently with Chase. Chase, continues to assess " unlawful '' NSF fee 's to my personal checking account that is directly caused by Chase Collection Department Representatives ' unlawful withdrawals from my cash deposits ( made to my personal checking account ). For the record, Chase isn't to use my personal email or any other personal information provided for this CFPB complaint. I will fax, a copy of my proof of cash deposit into my Chase " personal '' checking account to the CFPB ( deposited tonight at XXXX, XX/XX/XXXX ) XXXX XXXX @ XXXX.
I 'm sure you 've received this well over 10,000 times but Equifax decided to either not invest in the proper security measures for 143 million Americans private information ( I am one of those ) or they were grossly negligent in protecting that information. 

After Equifax was hacked I found out my information could be in jeopardy from a thrid party news outlet and was NEVER notified by Equifax that my private information was potentially breached. I had to hunt down a link to their website and check manually with Equifax and their poorly engineered website for this crisis. 

After reading into this problem I 've learned the information was stolen well over 30 days ago and now thanks to my own due diligence I am now aware that my information has been potentially stolen. 

Equifax has failed to protect my personal information. Equifax has failed to give me proper notification of potential stolen information within a reasonable time frame. Equifax has failed to give a clear remedy for this entire situation. 

Are the credit bureaus too big too fail?
On XX/XX/2018 I was making a reasonably large purchase in the amount of {$3700.00}. I had {$4100.00} in my account. I called Netspend customer service to ensure the transaction would proceed without issue. I was reassured that there would be no problem. I informed them the location, amount and company name the purchase would be from. approximately 3 minutes later, the card was swiped and declined. Netspend held {$4100.00} on the {$3700.00} charge. I called customer support and they informed me that Netspend holds 15 % on all rental charges. This is something that is not in the terms and conditions. customer support informed me also that to receive my money back, i would have to provide them with a confirmation receipt that the transaction was declined. upon providing them with the only documents i was able to get, they informed me that it was insufficient and that there was nothing more they could do. The merchant had sent them an email with the declined receipt attached. 2 representatives would not transfer me to a supervisor, and all of the reps would not allow me to be transferred to a united states call center. XX/XX/XXXX, i received a call from their corporate headquarters to verify the transaction had been cancelled. The funds were immediately released to my account with no further question. I spoke to XXXX XXXX, Corporate customer experience representative. I asked him where this information was in the terms and conditions, he informed me that it was in " pending transactions ''. after searching through the document, i was unable to find anywhere that addressed rental transactions. I asked him to locate it for me, after which he quickly ended the call stating he didn't have the time. I am very upset with the customer service of this company. There is a huge communication barrier in the fact that many of the representatives do not understand the english language well. To top off the matter, they will not transfer their customers to an american center where the communication will not be a barrier. If customer service is an important matter, this company is not one to give business to.
On XX/XX/2018 I logged into my paid Experian account. Inside I found several information discrepancies. There are versions of my name that are incorrect, one listed SS # is wrong. The website gave me a number to call : XXXX. Using option 3 ( as I have an account with them ) I tried to resolve the issue. All I received was an automated message with it hanging up at the end. There was also no email or chat offered as an alternate for dispute resolution to contact them directly. I'm very disappointed.

Considering that Experian is contracted with the US military in handling credit protection, I'm at a loss as to how poor their services are. My information was compromised in the OPM hack, I have to spend the rest of my life doing due diligence to make sure my information is correct, and/or not compromised. Experian can't even offer me the correct tools to do this, even with a paid account.

The " Dark Web Scanner '' is a raging joke. Considering most dark web information is encrypted through TOR servers, how the heck can they really scan anything? Yet, they still charge people for this service. I frankly think what they promise on this option is fraudulent.