WillisBack/dataset-financial-user-claim huggingface dataset:
I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
My employer received a garnishment if my wages and notified me, Ive never received nitice if anything, I called the XXXX Kansas court clerk and she advised me it was a XX/XX/XXXX case number, the company XXXX, XXXX HAS NOT BEEN IN BUSINESS SINCE XX/XX/XXXX per Kansas Secretary of State,  it is addressed to me at an address in XXXX, KS, Ive never lived in XXXX, KS, Ive tried calling the attorney that is on the notice sent to my employer and all I get is voicemail, no live person. My dispute is I have no idea what this is, Ive never received notice of a Judgement filed against me, its from XX/XX/XXXX and they are trying to garnish my paycheck for a XX/XX/XXXX Debt I know nothing about
When I purchased my home, I used the Georgia Dream program, which gives {$5000.00} towards closing costs and down payment. I was told it would be a 2nd lien on my property, but that it would go away after 5 years. I just learned that it does not go away and has to be paid back upon refinancing or selling of the property. I have spoken to other people who signed up for this program and they also thought the lien would go away after 5 years. There is not enough information online regarding the Georgia Dream program and I could not look this up to verify it. It is not fair to market something like this only to find out later that it has to be paid back unless you stay in the house forever.
I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.
First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's  which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. 
I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. 
Thank You.
I keep getting calls from an XXXX XXXX at my place of employment. I have had no previous business with this person and have instructed them not to call me at work multiple times, but they do not stop.
There is collection account in my name for a medical bill that is not mine. It's through XXXX XXXX recovery but serviced by Plus Four. We had an initial police report done and " XXXX '' at Plus Four stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by XXXX XXXX XXXX and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. Plus four has been horrible. Federal law states we can record the call regardless of state law as Federal trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the XXXX XXXX account. XXXX XXXX will not take our calls!
PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from.
XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.    I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   1. XXXX   XXXX   XXXX  #  XXXX  2. XXXX  #  XXXX  3. XXXX  #  XXXX  4. XXXX    XXXX   XXXX   #  XXXX  5.  XXXX   XXXX   XXXX   #  XXXX  6.  XXXX   XXXX   XXXX   #  XXXX
Hello - I applied for a XXXX XXXX Chase CC last week - yesterday XX/XX/XXXX I received a letter in the mail with a Chase letterhead - it said to call XXXX to " verify the application. '' I called the phone # and they wanted my personal information. I told the rep I was not comfortable giving my personal information over the phone. She then rudely told me " Who else would send you this letter? '' I again stated that I could not be sure this was actually Chase and I did not feel comfortable giving out personal information to her. She said " Well what do you want to do then? '' I told her I was not giving her my information and she did not need to be unprofessional to me and therefore I would cancel my account. She then hung up on me. I have a Chase XXXX   VISA and got that out and called that # on the back and spoke to a rep and told her what  transpired. She said she could not verify that the # I called was actually a Chase phone #. She then transferred me to someone else and I was told I was approved for the XXXX Chase CC. I told them my experience and asked about the miles promotion I received - they couldn't verify the information. I called back later to ask about the promotion and the customer service and that person said they couldn't help me with my complaint and when I said I was cancelling they told me that was OK. I am disappointed in the service I have received and I have paid my bill in full each month for years with my XXXX Chase VISA so because they don't make enough money off of me they can treat me with disrespect and feel comfortable with a rep hanging up on me.
I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.
I began receiving bills from Experian XXXX XXXX with the merchant number XXXX CA & XXXX CA on my XXXX XXXX XXXX XXXX XXXX starting in XXXX, 2015. I did not authorize this transaction. Since I rarely use the card, I did n't notice the billings until I started to receive notices from XXXX that I had an overdue account billing. I contacted both XXXX and Experian to settle the issue. 

Experian cancelled my account which had been opened with my credit card number, but under a different name. The company did not, however, remove the balance from my credit card. XXXX in turn had cancelled my card, and issued a new one. The balance remained however, totaling {$93.00} as I file this complaint. XXXX also declined to remove this balance off my account. 

On Wednesday, XXXX XXXX at approximately XXXX EST, I contacted XXXX via telephone to settle this matter. The XXXX customer service person I spoke with eventually called Experian, and thus began a XXXX conference call. The Experian agent indeed noted that the existing balance was opened under a different name than mine, and the account had been closed, but that it was company policy to not issue a refund. The XXXX representative informed the Experian representative that the call was being recorded. This did n't sway the Experian employee, and I asked to speak to a supervisor. 

A supervisor named XXXX, ID # XXXX, confirmed what the previous representative said, that despite me being the victim of a credit card theft, they would not issue any refund of the amount that had been billed to my original XXXX credit card. Experian left the conversation, and I was transferred to another XXXX agent who specialized in fraud investigations. I was placed on hold, and the call was dropped. Since then it had been has been four business days since then, and XXXX has made no effort to contact me regarding this credit card fraud issue. 

I did not under any circumstance, authorize Experian XXXX XXXX or any of it 's subsidiaries to bill me for services. I did not need, nor do I want, any of their products. Their agents admitted as much, that the billing was made under a different name than mine, but refuse to remove this bill, citing " company policy ''. I do n't see how an obvious case of fraud can be ignored. I am also greatly disappointed in the actions of XXXX, who constantly bombarded me with emails and phone calls to remind me to pay this bill, but can not be bothered to contact me to resolve this case of fraud.
I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ).

I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus
Below is my issues ... 
1. Bankruptcy Filed XXXX ; US Bankruptcy XXXX ; XXXX or ID # XXXX ; this has been discharged and should be listed as discharged but they still have not updated this.. It was discharged in XXXX 2015 ... When i apply for credit everyone tells me my Bankrupt is still active but it is not. Discharged in XXXX on XXXX XXXX, 2015. 
2. Case or ID # XXXX -- - this needs to be deleted from my report. It has been more than 8 years. 
3. Case or ID # XXXX -- this needs to be removed. it was included in my chapter XXXX and needs to be deleted because I am no longer liable. 
4. Case or ID # XXXX -- - This needs to be removed. I am no longer liable for this account. Please delete .... 
5. Case or ID # XXXX -- - Needs to be deleted..I am no longer liable for this account. 
6. Account # XXXX -- -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
7. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
8. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
9. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
10. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
11. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
12. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete13. Account # XXXX Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete14. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete15. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete16. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete17.Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete18. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete
Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.
My XXXX opened up a Scottrade account to do trading and a number of our individual members also had a Scottrade account. Unfortunately, bad service and rude support from Scottrade has convinced us to close our account and transfer our money elsewhere. Let me explain. 

Scottrade Bank and Scottrade XXXX are very closely connected, once a brokerage account is opened, Scottrade pretty much forces you to open a Scottrade Bank account to withdrawal any money. This process is time consuming and in the face of rude customer support and delays, one is immediately faced with a money withdrawing delay that is easily double of what competitors can do. The delays and lack of understanding by Scottrade management and support caused significant problems and stress, when I voiced my concerns Scottrade acted as though they " did n't care '' and were too busy with " high net worth clients '' and could close my account not have over XXXX in assets. This frustrated me and my investment friends even more. 

Last year we were switched secretaries and one of them noticed that the Scottrade account agreements we had on file were different that the agreements Scottrade was posting online. We later discovered that Scottrade was making enormous changes to its terms of service and account agreements without any notification and when we asked them for the original contract they were unwilling to provide it, and this unfortunately, led to our next problem, Scottrade 's failure to deal with disputes. 

For our records, we required the original account agreement and thus requested the document on numerous occasions but Scottrade failed to provide it, their final response was basically saying, " your account has been closed ... and we consider this matter closed ... if your dispute continues you may file arbitration ''. The thing is, Scottrade will not provide instructions or evidence that an arbitration agreement exists. Putting us in an extremely difficult spot, we have and we reiterate our requests that Scottrade provide us with the original arbitration agreement. 

Finally, Scottrade was hacked, according to a press release in XXXX, and said it sent out emails to those whose accounts were effected, we got a few of the emails and the phone number Scottrade instructed us to call would not connect, once again, filing a complaint against Scottrade led to no response. 

I would warn others that if the behavior of Scottrade to not respond to serious customer concerns it is likely better to move your money elsewhere, our club, and XXXX of its individuals have already done so and are better off for it.
After a non-responsive form letter in CFPB # XXXX, I am making a new complaint with the intention of getting resolution which they have eluded in previous with an attachment of the requested form, completed and offered as evidence to the XXXX  response and the XXXX of the CFPB authority to the financial institutions they're to be oversight.
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.