WillisBack/dataset-financial-user-claim huggingface dataset:
The major XXXX security breach in early XX/XX/2017 indicated that I would be impacted by their breach. However, I was not notified of this nor was I given any sort of protection against *their* data breach of *my* information. Information, I must also add, that I did not consent to give them but instead they decided to collect. Additionally, to apply for a credit freeze without an incident of theft would cost me time and no less than {$10.00}. I find this completely unacceptable that I am not responsible, both financially and through my time, to fix *their* improper security. This is unacceptable.
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.
My paycheck was stolen out of my account. I filed a dispute and they said it was a legitimate transaction. This was my response ... I want to physically talk to someone. If you look there are 3 transactions for decline fees at XXXX and 1 balance inquiry at XXXXXXXX XXXX and then the withdraws. I was at work from XX/XX/XXXX at XXXX until XXXX on XX/XX/XXXX. I have the time card to prove it. I was asleep in the state of XXXX   after working an almost 11 hour shift. When I got the alert of the with draw I immediately called. To file a dispute because I didn't make the transaction I have never been to XXXX and do not know anyone there. I can't see where the decline fees were done at on my account. It doesn't take a rocket scientist to know when it's not physically possible to be asleep in XXXX and using an ATM in XXXX. I use the last 4 digits of my social as my pin so whoever cloned my card must have figured out the pin. This is happening everywhere so I don't understand how you can even begin to blame me for a criminal that accessed my information! I will be contacting our local police department about this.The information was stolen and my money should be returned immediately like a legitimate bank would do. I will not let this go. I lost money at work because I couldn't go on an out of town job because of my money being stolen. This cost me a loss of about {$700.00} in wages. I want to talk to someone in person XXXX. I'm tired of people hiding behind messages instead of trying to resolve the issue. They have also not provide me with their so-called documentation. I have requested it repeatedly. I believe this is part of a bigger ring of thieves since there are hundreds of complaints for this very thing and XXXX refuses to give people 's money back. Is this an inside job with their company I wonder?
opened an account with {$100.00} sign up bonus if you deposited {$100.00} and completed a bill payment of {$25.00} to a cell phone/internet service provider within 60 days. Confirmed details via secure message. I completed activities on XX/XX/18 and its been over 90 days and I have not received my money
On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.
On XX/XX/2018 I sent a letter to XXXX and Experian notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. XXXX received the letter on XX/XX/2018and Experian received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 XXXX  and Experian have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
I receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.
Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.
The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.
Hi, I have not received any paperwork of this collection and would like to pay and resolve this immediately. Thank you!
closed acct under chpXXXX bankruptcy still showing under my XXXX credits bureaus.
Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.
I have attempted to dispute the incorrect reporting of the XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX accounts on several occasions. The XXXX, XXXX and XXXX XXXX XXXX accounts have been paid and are not reflected as such on my credit report noted on the attached screen shot. They are being reported as " negative '' rather than " paid ''. I am attaching copies of proof of payment of these three accounts. The XXXX XXXX account is over 7 years old and should be removed. The date opened being  reported is the date the collection agency received the account as was verbally confirmed with XXXX XXXX. I have requested that proof of this debt AND the date of delinquency be provided to me by XXXX XXXX in the same conversation and it has been more than 30 days and they have not provided proof of this to me. In addition to this account being over 7 years old, I do not believe that I owe this debt. The incorrect reporting of these items are affecting my ability to obtain a mortgage.
Pioneer Credit Recovery Inc. has left messages with family and friends on more than one occasion. This is in direct violation of the Telephone Consumer Protection Act ( TCPA ). In addition, they have use robocalls with a recorded message in which they ask for a XXXX XXXX. At the end of the message, a phone number is left for her to return the call. 

Pioneer Credit Recovery Inc XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX
In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?
I applied for the income based plan in XX/XX/2018. My application is still pending. I have spoken with over 10 different people whom are telling me something different each time I call. I have followed all the instructions given to me yet my application is still not approved. They told me to make a payment for at least {$5.00} in XX/XX/2018 and after then I should be fine. Well now I have a payment due for over {$500.00} which I can not afford. Now they are trying to offer me another courtesy forbearance stated by XXXX. I told her why should I have to keep adding more money to my account along with more interest and make things worser on me in the long run. These people play a lot of games and this just makes me sad or regret I ever went to school. I was told that this was my fault for filling out my application incorrectly. Something needs to happen but im not going to stop until someone hears my voice! Im reporting to everyone who will listen even if I have to contact a lawyer, mayor etc.
In XX/XX/XXXX I was falling behind on my XXXX XXXX/XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XX/XX/XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
Collection company has reported an identical collection notice 3 times in 5 days. 
Please review the following : XXXX Credit Report and XXXX XXXX XXXX XXXX monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans are reported by the credit bureaus to ID Experts. 
Alerts Type Date Collections - ENHANCED RECOVERY CO L XXXX XXXX, XXXX ENHANCED RECOVERY CO L has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO L Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
UNPAID ( UNPAID ) - ENHANCED RECOVERY CORP XXXX XXXX, XXXX ENHANCED RECOVERY CORP has flagged your account as UNPAID ( UNPAID ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CORP Payment Status UNPAID ( UNPAID ) Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
Collections - ENHANCED RECOVERY CO XXXX XXXX XXXX, XXXX ENHANCED RECOVERY CO XXXX has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO XXXX Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
I want this company to remove these reports, I do not know what the {$130.00} charge is for and this is ruining my credit.
I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.
Navient Account # XXXX SSN XXXX I graduated from XXXX in XX/XX/XXXX, upon which my three ( 3 ) Federal Loans were activated. I was currently on an income-driven repayment plan with a total payment of approx {$510.00} per month, increasing over time. In 10 of the 12 months my payments exceeded the amount due, meaning I am paying my loan at a faster rate than the standard 10-year payment plan. <P/>Last week I requested to update my income-driven repayment plan as I switched jobs and took a pay cut. I also currently work abroad in XXXX XXXX, earning XXXX instead of USD. Over the last 2+ years the XXXX to USD exchange rate has been diminishing. <P/>I submitted the IDR Plan Request on XX/XX/XXXX. On XX/XX/XXXX my IDR Plan was approved. My monthly payment INCREASED from {$510.00} to {$890.00}. In XX/XX/XXXX I reported foreign earned income of {$20000.00}. It does not make sense that my monthly payment INCREASED to {$890.00}. This is 47.8 % of my monthly income. <P/>What I suspect happened is that they read my pay stubs ( reported in XXXX ) as USD. Rather than XXXX for example, they may have read it as {$250000.00}? Not sure - but this is the only explanation. <P/>When trying to contact Navient, scheduling a call back is the easiest so I do n't have to spend hours on hold, but they only accept US-based telephone numbers. I am not based in the US and therefore can not use this option. I am currently on the line with Navient ON HOLD. I was quoted a wait time of 10-13 minutes and it has now been 55 minutes. Speaking to them is nearly impossible.
This bill was paid by my insurance in 2009 and want this bill to be removed from XXXX report
On XX/XX/2017 The company EOS CCA reported a debt of {$200.00} to my credit union. This company has yet to issue me an contract or agreement made to verify the account. I have tried to dispute this acccount on three occasions with only response that it meets FRCA requirement. The company nor the credit union has yet to send me any documents to verify a contract with EOS CCA.
I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.
Citizens Bank/XXXX. My bank ( Citizens ) has allowed an unauthorized charge of {$160.00} ( XXXX on XXXX XXXX, 2017 ) to be removed from my account. They have refused to help me or give me a credit. The bank states the charge is an annual fee. I never agreed to an annual fee and I still do not agree with the charge. I do have a contract with Citizens bank stating fee for {$14.00} a month will be charged and a small percentage. I have never agreed to any annual fees. The agreement will be attached. The bank has also refused to stop any payments from Workday even after requesting it several times.
XXXX XXXX is the loan service I got my student loan for XXXX from and though I did not continue my education at XXXX for my own person reason which I will not disclose, I am not responsible for paying off the loan. My mother cosigned on the loan for me at the time and I am not quite sure of the date that I called XXXX XXXX is check what I would pay every single month once my grace period was over but I do remember the female telling me about {$25.00} or {$50.00} a month after the grace period. I was fine with that because not only do I owe other loan services money, I work two part time jobs that don't pay as well as I'd like and I have to pay my credit card bill along with my phone bill. So {$50.00} was good enough for me and from the way the lady spoke to me she seemed as if that would work well for her as well. I was unaware that from the month of XX/XX/2017, accrued interest was being put on my loan and has been, to this day that I am reporting this, it's still being put on there. When I first checked the loan to start paying it off in XXXX on the XXXX of {$50.00} the loan was at {$12000.00} and now, the time that I am writing this the loan is at {$13000.00}. Any money I am putting towards the loan for XXXX XXXX means nothing when the accrued interest rate bumps it back up dramatically. I am unable to do anything and if I go too long without paying it because it's in my mother 's name and I have to make 12 payments to finally release her as the cosigner, she's worried about her credit score decreasing. I am only XXXX year old, I am trying my hardest to work two jobs so I can do what I promised and pay my loans off. Getting a job at my age is hard enough but it's even harder when any money I do earn from my jobs goes straight to XXXX XXXX but it's not making any difference in the loan itself.
XXXX has been debiting my Credit Union Checking account each month since XXXX XXXX 2017. I never authorized these debits from my account ( see uploaded documentation. I made several calls to XXXX attempting to determine who used my account information and made it clear that I did not authorize these debits, stating this was fraud. XXXX could not tell me anything about the transactions and that I would have to dispute them with my Credit Union. XXXX is culpable I 'm this fraud as they obviously never verified that the person using my account information was me, XXXX XXXX. 
My Routing # is XXXX My account # is XXXX
On XX/XX/XXXX, XXXX XXXX called and threatened garnishment on my wages if they did not get a full payment of {$900.00} today on a medical bill that was not paid in full back in XX/XX/XXXX or XX/XX/XXXX. I haven't changed my number in 10 years and she initially joking laughed that she had to call my job because was not able to contact my personal phone. I advised her that I needed to look into what she was talking about and she said since you won't take care of it today, I'll go ahead with garnishment, and hung the phone up.