WillisBack/dataset-financial-user-claim huggingface dataset:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX  was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
During process of purchasing a house in XX/XX/XXXX I shopped for home owners insurance. XXXX was XXXX of several companies I inquired but ultimately went with XXXX. Without signing any contract and after verbally telling XXXX I was going with XXXX they claim I owe them {$240.00} for insurance coverage and hired a collection agency. I sent the collection agency a copy of my insurance policy and a written letter explaining why I do n't owe this money. They have dismissed this and continue to try to get me to pay. As I have said, there was no contract between XXXX and myself. Now I 'm concerned about my credit and property over a false claim.
on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
I went to   XXXX   XXXX   XXXX   in  XXXX , on  XX/XX/XXXX , 2017. I was told that my procedure would cost {$4000.00}. I agreed and was told to open a care credit card. My limit was for   XXXX  . I was called on the phone by care credit stating that I had purchased a total of {$7500.00}, when I told them that I did not authorized that amount which was over my credit limit, they said that they will investigate. I went to the  XXXX  office and the receptionist said it was a lack of communication and that they will refund me that money. I got a letter from care credit 's saying that their investigation found that I still owe {$7500.00} and when I said how can you charge me over my credit with out my consent, they said your credit is {$8500.00}. I feel that they increased the amount to save their selves. I only have had   XXXX   XXXX   removed, I do n't want to go to that   XXXX   again and I will only pay for the work that was done.
In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.
RE : Synchrony Financial Pay Pal Mastercard account # XXXX Dear CFPB and Synchrony Bank/Paypal Mastercard : On XX/XX/XXXX I applied for a paypal extras mastercard and was approved for {$300.00} dollar credit line, the inquiry was pulled from XXXX XXXX. On XX/XX/XXXX I had another hard inquiry from Synchrony Financial, the inquiry listed as Synchrony XXXX XXXX XXXX, XXXX, GA XXXX. I called XXXX XXXX and the number listed on my credit report to report the additional inquiry. 

On XX/XX/XXXX I called Paypal Mastercard to inform them I had never received the paypals extra mastercard, upon speaking with the individual from the fraud dept she had put a restriction on my account, I then spoke with another individual who proceeded with a phone call back verification number that I received, however, the representative said they where unable to proceed with verification because of my internet/phone, and said I will be receiving a letter with the instructions on how to proceed with identity verifications. I called XX/XX/XXXX and spoke with XXXX phone number XXXX to obtain more information on what had occurred, and was told to wait 7-10 days until I received the letter with the credit card.

At this time, I have written this complaint because I believe either the credit agency XXXX  and XXXX failed to provide accurate information to Synchrony to verify my identity. The issue remains, I had never received my card and they placed restrictions on my account, and I have still not received an adequate explanation from Synchrony on what had transpired between my application and verifications.

I am asking the CFPB to send my complaint to Synchrony Bank/ Financial and XXXX  and XXXX  as these are the credit agencies responsible for failing to maintain accurate information. 


Sincerely, XXXX XXXX
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX
This involves Paypal. On XX/XX/XXXX, I sent a payment on Paypal to the account XXXX. We mutually agreed on XXXX for an online ticket purchase. I purchased 4 tickets totaling {$120.00}. The XXXX account under the name XXXX XXXX did not send the tickets. I was scammed. The Paypal account with the email XXXX, is under the name XXXX XXXX.
I received a collection notice from Transworld dated XXXX XXXX claiming I had not paid custom fees for a XXXX shipment. However, I had paid those fees to XXXX on XXXX XXXX with my credit card. After being contacted by phone by Transworld, I let the representative know that the payment had already been made. I was instructed to email her the proof of that payment ( credit card statement ), which I did as we were talking on the phone. I remained on the line until she confirmed that received the email. She told me that was sufficient. However, I received another collection notice dated XXXX XXXX. I do not have any outstanding debt towards XXXX therefore this behavior from Transworld is unjustified and I am feeling harassed, not to speak of the time it takes to deal with them every time I receive a notice to avoid any negative impact on my credit history. Thank you for your assistance in resolving this matter and ensuring that Transworld does not treat other consumers in this manner.
Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.
i was one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.
I sent Equifax multiple letters to verify this account and I never received proof or a copy of a application with my signature.
I opened account with discover over 6 months ago was approved with  XXXX  credit limit I made all my payments on time with this company and all my other credit card company 's. my balance was close to  XXXX  and out of the blue I received an email stating that I was close to my limit. I check my statement   XX/XX/XXXX   it said  XXXX  but    XX/XX/XXXX    I received email stating be cautious I close to my limit. I called immediately at   XXXX   XXXX   to find out how  XXXX  disappear was advise no agent till Monday was available to help me with that question. I called and recorded the call and attached it for your records I because of inquires which I got a new car and had my other car paid for. And because of my good history new company offer me cc and because I accepted them I was lowered without letting me know. My main reason im upset they going to lower my score more because going from a 75 % to 100 % also lower my credit line affect my score. I wish they would of froze it. My income still good to my credit ratio so really think it been unfair decision.
On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
There were two XXXX XXXX accounts on my consumer report. I did not recognize one account and I reported it as fraud. The account that I did recognize, I just made a payment on XX/XX/XXXX or XXXX, XXXX. XXXX received the fraud report and closed the account on XX/XX/XXXX, that I just made a payment on. I was not called or received any letters asking me to verify the active account BEFORE it was closed. They could have blocked the account until it was verified, without closing it. I did NOT know that the account I didnt recognize was attached to the active account I just made a payment on. When I discovered this, I called XXXX, explained what happened and claimed full responsibility for the once active account that I opened XX/XX/XXXX. I even faxed documents verifying the account and claiming full responsibility. They even mailed me a letter, stating that theyve concluded their investigation and found that the account is mine and they had verified payments. Still, they have not reopened my account with full access and reissued a new card.
We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.
For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.
Trying to opt out of sharing with Capital One Auto Finance and ensure sharing of information is limited as per current law. Started attempting to do this with most recent bill from XXXX XXXX ( XXXX ) where annual privacy policy information was included. 
Have been put on extended holds with Capital One ( no  toll-free number is provided to opt out in a VRU/IVR ; you have to call them. There also is n't an option online to opt-out of sharing ), transferred between departments, and hung up on. 

When I managed to get to a person on XXXX at XXXX, I had to verify I was me by providing my full SSN, then the account number for the auto loan, so they could " find me in their system ''. I was put on hold again, then asked that I had to spell my full name for them. 

If they have both my full SSN, and the auto loan account number, they have all other personal and PII information about me ... my full name & address are on my billing statements, which should then be in their computer systems ... they could n't send out a billing statement without them! I asked for a supervisor to handle my request. 

When a " supervisor '' picked up, a woman named XXXX asked me for my credit card number, told me I was in the wrong division, then transferred me to the auto division 's VRU/IVR, where I had to reverify myself again. I got to a representative ( XXXX? ) who made me re-verify myself with more personal information, and then had no idea I was asking about the annual privacy policy notice, and then suddenly told me I was " taken care of ''. 

I have zero confidence that my Privacy sharing preferences are truly updated, and the only way I could find out is if I waited until their system updates next week and then go through a cycle of calls again. 

It seems like Capital One, especially their Auto Finance business, has gone out of its way to make opting out of sharing ( under the GLB Act regs ) as difficult as possible, especially when compared to other credit card/loan grantors.
I lost my phone and wallet on XX/XX/XXXX. After three days my cell phone was returned to my place of work but no wallet was returned. So I called Chase to cancel my card but was unable due to the fact that I did not have my card or account number readily available. I proceeded to go into Chase the next day and report my card stolen and to stop any transactions that had taken place and immediately file a claim. While in the bank and reviewing my statements we found many unauthorized transactions had taken place, numerous withdrawals were made earlier that very day. On XX/XX/XXXXthe unknown party deposited two checks ( # XXXX and # XXXX ) totaling {$5300.00} into my account. Later that day they proceeded to withdraw {$1400.00}. On XX/XX/XXXX they withdraw {$1400.00}, {$500.00} and sent a quick-payment of {$2000.00} with XXXX through my Chase.com account to an individual named XXXX XXXX who I've never met. I then filed an identity theft report with the XXXX XXXX XXXX XXXX XXXX  police department. After weeks of waiting I followed up with Chase to learn that they had denied my claim due to the fact that the party involved had used my pin number to access my account. After about 3-5 separate calls to Chase 's fraud department they told me that there was nothing else they would do about the situation and that I would now have to followup with an outside agency. After asking 3 different representatives of Chases 's fraud department they insisted that they could not even provide me with the name of the agency that I needed to speak with and just keep insisting that I speak with an agency outside of Chase bank. I thought this to be horribly unprofessional as I was already in a stressful situation and was just looking for a way to recuperate my losses. I reopened the claim and received a temporary reimbursement. After one week they reversed the money again to make my account negative {$4900.00}.
This is a old bill like 20 years ago can you please take this off my credit report thank you this is insane
3 months ago, I filed a fraud at Bank of America, they gave me a temporary credit l, then after few months they reverse the temporary credit without notifying me. Thats make my checking account overdrawn, and wasnt able to pay my bills
On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX, Experian and XXXX in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and Experian were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX, Experian and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the XXXX bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from Experian and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
I cancelled my contract with XXXX because my husband took himself off of our contract without telling me. I was being charged his monthly portion for six months even though he had the same number through them and still had an account they would n't move the debt for his phone he had n't paid off over that was XXXX and add the cancellation fees to it and the past two payments not made because I could n't afford it i was n't working. XXXX refused to work with me at all, but set me up with creditors to hassle me and call me all hours of the day all day to get their supposed money i owed them. They have branded my credit report.
I withdrew {$190.00} from my US Dollar wallet on Coinbase on XX/XX/XXXX at XXXX XXXX. I was told through their online system that it would arrive within 3-5 business days. Today is XX/XX/XXXX and still no deposit into my bank account. I contacted their customer support and was told it is completed on their end. They easily and quickly take money from my bank account and then lie about returning it. I'm not the only one experiencing this issue. I've also created a reddit post where others have complained about the same issue.
I had  XXXX  charges this year by   XXXX   I disputed with bank bc the items were incorrect Bank worked in the other companies favor and company would not work with me on returning items or remaking items I am still at a lost and items were not correct, this is not fair a bank should be in customer favor when they are at a lost  XXXX / XXXX /2017 {$3900.00}  XXXX / XXXX /2017 {$1400.00}
on XX/XX/XXXX application for a loan was submitted to XXXX a credit report was provided by Experian with a FICO XXXX score of XXXX reported back However this is a major difference in the score that is published on the web site. Experian web site for which I am charged a monthly fee for monitoring my credit reported a XXXX score of XXXX. I feel that this is a the very lest is false advertising and also hurt the possibility of me obtaining the lower interest rate. I also obtained my report from XXXX and XXXX each of these reported a FICO XXXX score of XXXX and XXXX. I would like an explanation of how a difference of over a XXXX points and be reported to a lending company and not reflect on the web site.
On or about XX/XX/2018 sun loans calls my sister in law otherwise referred to as a " third party '' attempting to call me although they have my phone number they make harrassing calls and threats and even let a third party know I have a open loan which is a clear violation of my FCRA rights I also advised them on several occasions I am unemployed and to Cease & Desist under U.S Civil Code 1592c section c however they refuse and my references have asked them several times to stop calling and they continue to harrass referenceces.
My information was leaked by XXXX. Experian and XXXX ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.
I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.