WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I noticed a charge for {$19.00} on my bank statement that I did not make, from " TU *TRANSUNION XXXX CAUS '' dated XX/XX/XXXX. 

I investigated and found that this {$19.00} charge had appeared every month since XX/XX/XXXX. There was also a charge for {$1.00} on XX/XX/XXXX. 

I called the XXXX number to report this and was told that I had signed up for their credit monitoring service. I explained that I had not signed up for it, did not want it, and had never once used it. I requested a full refund. They said they could only refund 12 months of charges. I asked to speak to a supervisor and was told that I would receive a call back the next day. 

A different representative called back and offered a refund for only 4 months of service. I told her that the previous representative had offered 12 months, and that I would like a full refund for a service that I had never used or ever wanted to subscribe to. She offered to cancel the subscription to avoid future charges, to which I agreed. I asked to speak to another supervisor about the full refund and was told I would receive a call back. 

A few days later, I received a call from a third representative and explained the situation again, and was told again that they would only refund 12 months of charges. I told her that if I did not receive a full refund, that I would file a formal complaint with the CFPB. Until now, I have not received any compensation from TransUnion.
I am a victim of identity theft and there is a public record that got reported on my consumer credit report with XXXX, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.
Purchased an item with a {$30.00} rebate advertised. Received the item and applied for the rebate. Rebate was approved and after a 2 month delay, I received and activated the debit card. The problem is the expiration date was less than 12 months from the receipt of the debit card. 

Two attempts to contact the phone number on the card and website only indicated that the card was expired. 

Is it legal to expire a card with less than 1 year from date of receipt? 

The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. Activation was by XXXX. 
Card number XXXX XXXX XXXX XXXX The card is a XXXX Debit. 
In the rear of the card, top left it indicates XX/XX/17
Equifax flagged my account with " 039-Serious Delinquency '', when I do not have any accounts late and never had. Credit Report from XXXX shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
Experian refuses to allow me to place a freeze on my credit report using the online or phone system. They want me to mail all sorts of personal information to them through US mail in order to do this. This sounds completely ridiculous. Someone has tried to open a credit card in my name and I'm just trying to protect myself as the law permits.
My Experian credit report as been showing a collection from  XXXX   XXXX , Account number starting in  XXXX  witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same  Company n ame,  XXXX   XXXX .
Nations Reliable Lending XXXX XXXX XXXX office in Ohio has a XXXX XXXX insurance agent XXXX XXXX XXXXdirecting business inside the building forcing customers to go with this insurance agent or the loan is not approved all so the loan officer and owner of National Reliable lending can get a percentage of premium. Not looking out for clients best interest. Only looking for kickbacks.
i have a credit card with capital one and when i called in i was told that my credit line went up to XXXX and it only went up to XXXX
I receive multiple calls from Navient on a daily basis in regards to my student loans. I was told by a lawyer that I can request that they not call or contact me by phone. I made this request to Navient but continued to receive numerous calls each day, when I asked why I was still receiving calls I was told that I did not make my request in writing. In response I sent Navient a cease and desist letter informing them that I do not want to receive any calls. To this day I am still receiving call from Navient on an hourly basis.
The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service.
while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???
CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.
In the likely chance my SSN was stolen, I am now under risk of fraud FOR EVER. SSNs do not change.In fact, it is likely that criminals will wait at least a year before using the stolen information, which is when Equifax 's free credit monitoring service will expire. 
The fact the Equifax is offering anything else than lifetime protection is criminal.
I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. 

I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call please.
I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.
On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..
This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.
I have unauthorized inquires on my Trans Union Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
On XXXX XXXX two accounts were fraudulently opened online in my name at Wells Fargo. The SSN used to commit this fraud matched mine but the Drivers license did not match and the email address originating the request was not the one the bank has on file for my account. Even so the bank opened the accounts!! The accounts have since been closed and after weeks of stress and inconvenience I have changed all of my accounts, direct deposits, email etc. that were in jeopardy as a result of the fraud. The bank also emailed me a notice identifying all my direct deposit information and account numbers as a " reminder '' to switch them to the new accounts I had to open, Making me further vulnerable since the type of fraud I experienced was an online take over! Wells Fargo 's on line practices for opening new accounts are irresponsible in this day of hightened on line fraud and clearly do not protect their customer. It is a sharp contrast to their in branch practice where you have to present picture ID to open an account. My husband XXXX XXXXy XXXX XXXX, in XXXX I went into my local branch to remove his name and add my daughters to my accounts. In order to accomplish this my XXXX daughters had to appear in the branch WITH me and PHOTO ID. It was n't acceptable for one of my daughters to go to her local branch. This took some coordination to have the three of us come in together but I understood it was a safeguard. Why do they handle there on line business so casually when the risk for fraud is so much higher!! I wrote to XXXX XXXX ( Wells Fargo CEO ) about my experience and concerns on XXXX XXXX and received a response on XXXX XXXX from a research/remediation associate. It was clear they did not understand my complaint, and that it will not affect change in there policies. The most ridiculous part was there response to sending my full account numbers and direct deposit information in an email. They blamed the direct deposit originators ( social secrity, my pension and my healthcare reimbursement account ) for putting the information in the merchant details. Wells Fargo cleary was wrong in sending such an email, I did not request it nor need it. The letter did not acknowledge any wrong doing on the part of the bank, it felt patronizing. The way the fraud came to my attention was a call from the XXXX fraud unit because my XXXX with them was used to fund the checking account that was opened. When a second attempt was made, this time to open a savings account, it raised a red flag for XXXX and they contacted me. Thank goodness for XXXX fraud unit, Wells Fargo did n't even care that the Drivers License did n't match and it was n't my email address. When I take a breather from all of this upheavel I will change banks. It is n't necessary for you to forward my email to Wells Fargo, I do n't think they will care. My complaint is for the purpose of adding my voice to others who may have spoken up.
Allied interstate is attempting to collect a debt that is not mine. I contacted XXXX XXXX Bank and they agree the account ending in XXXX is NOT mine. Allied interstate needs to leave me alone.
On  XXXX   XXXX ,   XXXX  , I purchased mattresses from Macy 's using my store credit card for {$980.00}. I chose  Macy  's for my purchase to take advantage of their interest-free financing so I could pay the purchase off over time. I am currently under-employed due to health issues and have limited resources. At the time of my purchase, I did not remember that I had set up my Macy 's online account for autopay for the full statement balance, which I had done years before when I was in better financial shape.     On   XXXX   XXXX  , I received an email from  Macy  's that my statement was available. The email did not give any information about the amount that was due or the date that my auto payment would post.     On   XXXX   XXXX  , I received an email alert from my bank indicating that an ACH transaction to Mac y 's f or {$980.00} had posted. I did not see the email until   XXXX   XXXX  , at which point I immediately went onto the Macy 's credit card site ( which is handled by   XXXX   XXXX   XXXX   XXXX   ) to change my payment options so this would not happen again.     YOU CAN NOT CHANGE YOUR AUTOPAY SETTINGS FROM THE WEBSITE. In order to change them,  one  is required to call a customer service phone number, which is not a 24-hour service. I was unable to reach customer service because my call was outside of their office hours.     I believe it is an abusive practice to allow autopay but (  1  ) not inform customers that you will not be able to change the settings online, and (  2 )  force online customers to call a call center that is not open 24 hours to change online settings. I also believe that all credit cards that have their own autopay mechanisms should be required to alert consumers prior to the posting date of THE AMOUNT AND DATE OF THE UPCOMING PAYMENT. Given the exhorbitant interest rates they charge, this is the least they can do.
I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.
My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.
I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.
I have all these XXXX address on my report and live in XXXX. I have never been to XXXX, none the less lived there. There could be used for Identity theft and I would like them removed since they do n't even belong to me in the first place.
I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. 

I recently migrated from XXXX XXXX and do not owe anyone anything. 

Please assist and take the response company to task.
I moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid.
Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).
I have one inquiry on my TransUnion credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with TransUnion and XXXX XXXXXXXX XXXX.