WillisBack/dataset-financial-user-claim huggingface dataset:
A Choice Recovery associate contacted me on XXXX XXXX, 2016 regarding what he asserted were several small, accumulating balances for which he was attempting to collect. The collection associate calling me was from a local phone number so I requested his business line to confirm the validity of his identity. I advised him that I would hang up and call him right back, which I did. There are too many scams to readily provide my credit card information over the telephone. I received his voicemail and requested a return phone call. In the interim, I called the business with whom the balance originated from ( as initially explained by this collector ). I spoke to a representative who stated she looked at all possible scenarios of where my account may have been placed for collections. Not only did she state that I did not have a balance, but that I was entitled to a refund which she said I should anticipate within 2 weeks. 
On XXXX XXXX, 2016 I received a phone call from the same collection associate. I explained to him the same scenario I just just described in this complaint and advised him that I would not be paying that balance. The associate seemed to be offended, stating that whomever I spoke to was wrong and that he would have these balances reported to my credit bureau. I explained that I would obtain written documentation and send to him. The associate became audibly agitated and then proceeded to tell me that the conversation was being recorded. In my professional experience, I am knowledgeable that if a phone call is being recorded that it must be stated at the beginning of a call and I stated the same to the associate. The representative then accused me of being nasty. I simply replied, in a non-threatening tone that he was being nasty, not me. The representative then stated and I quote, " Okay, I 'm terminating this call because apparently I 'm XXXX. '' I was baffled and I believe I replied something to the effect of, " Okay, have a nice weekend. '' I reflected on the call for a few moments and decided to call the company back and ask for a manger. In short, I spoke to a female manager who indicated she would review the call and call me back. In fact, I did receive a return phone call from a polite associate, who through research, I found to be the Compliance Officer. 
Although she offered an apology and indicated the associate with whom I had originally spoken to had received corrective action, I am still incensed that a person representing a company would engage in such a demeaning and unprofessional manner. I happen to have ancestry which was subject to the XXXX. Such comments are not to be made with total disregard and arrogance. Additionally, I took offense that in response to me stating I would provide documentation to him, he replied that this would be on my credit bureau. He was not simply informing me of the possible scenarios, it was stated with threatening overtures.
United Revenue Corp has not provided me with a HIPPA release. A bill is not validation. The bills speak of insurance agencies I have no affiliation with. Reporting XXXX invalid accounts.
Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to me ).
Midwest Recovery Systems reported a collection debt to my XXXX Credit file on XX/XX/XXXX for {$300.00} medical bill. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX monitoring service, I was told this was a medical office debt with XXXX XXXX for XX/XX/XXXX and that the debt was sold from another collection agency ( XXXX or XXXX? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX. This caused my credit score to drop XXXX points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred XX/XX/XXXX then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in regards to this issue and have not heard back from Experian,   XXXX   and  XXXX . They are all dated for the year  of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system o f   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
XXXX/XXXX  XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
i posted and transferred money into the account for the checks to be posted. it appeared i had sufficient funds but the next day the checks were posted and i had two overdraft fees and a reruturned item fee. it appears the checks clarared and it is very annoying when bank of america does this.
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE
XXXX XXXX has placed a collection item on my credit report on XX/XX/2015. Related to a Speedy Cash loan that I never took. I called XXXX XXXX many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from Speedy Cash nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got Speedy Cash to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
In   XXXX   of 2016     I  XXXX   XXXX  notified EXPERIAN,  XXXX , and  XXXX  they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims. EXPERIAN,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are deb t collectors.
I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?
On XX/XX/XXXX I sent a letter to Advanced Resolution Services ( ARS ) informing them that I have had ID Theft issues and that I needed my credit report frozen this letter was signed and delivered by the USPS with Certified Return Reciept. I enclosed a copy of the police report indicating that someone had opened a XXXX XXXX XXXX account in my name and used it to fraudulently obtain merchandise. On XX/XX/XXXX ARS improperly responded back indicating a signed request was necessary? On XX/XX/XXXX I sent, via USPS, a letter once again asking them to immediately honor my second signed request to completely and permanently freeze my credit report. I have received no response even from my second request.
I checked the Equifax potential impact website, and after entering my information, I was informed that my private personal identity information had probably been compromised in the recent breach. My understanding from news reports is that Equifax became aware of the breach in late XX/XX/XXXX. As a resident of California, my private personal identity information is subject to the data security and breach disclose laws of California Civil Code XXXX ( Security Breach Information Act ). I was not contacted by the company directly or made aware of the breach until I heard the news in the general media yesterday, XX/XX/XXXX. I do not consider that to be the most expedient time possible, as CCC XXXX states. The news also noted that in early XXXX, several Equifax executives sold over a $ million of stock, which declined about 13 % in value when the news of the breach was made public. The company, which markets and sales data security services, clearly does not understand the responsibilities of data security and breach notification. There are two other credit reporting agencies. Therefore, the loss of Equifax will not cause major damage to the credit reporting marketplace. All efforts should be made to punish the company to the full extent of the law, including closing the company, if possible.
On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.
Regarding  a Citibank Aadvantage Master Card  I have moved overseas and no longer  have a US  phone number. I called in  XXXX  to try to close the account. I have had the account for 2 years.  <P/> I failed the security question which was the bank account number used to pay the last amount due. This is because I am overseas and my father paid the last amount due.  <P/> 
Citibank then asked to call me to confirm who I was for security purposes. I gave them my overseas phone number. They never called it. When I called back they said that they had no ability to call an overseas number. I was very frustrated at learning this as I am spending a ton of money calling them from overseas to try to ca  ncel the card!  <P/> I was then blocked from my online account because of a security problem with my account.  <P/> I called again because in  XXXX  they increased my credit limit! Still I am unable to cancel the card or the account.  <P/> I have begged them to give me someone to write to or call to cancel the account but they are unable to help me. I once asked for a supervisor and they put me on hold for ov er 20 minutes. Because I am calling them from overseas on my dime I had to hang up as the costs of the call were mounting!   <P/> What do I do?
My work 's secretary received a phone call from XXXX XXXX XXXX XXXX XXXX that said XXXX XXXX has documents that require a signature. When I called the company back, for XXXX, the woman who answered did n't say her name or what company they were, and XXXX, when I asked they would n't tell me what my debt was except they were taking legal actions against me. She told me they were Worldwide Asset. When I asked more questions they got very defensive and hung up on me.
Recently I received the attached mail from XXXX XXXX XXXX XXXX stating that the ELOC is attached to the primary account showing that it has No separate account number when in fact also the origination date they show is XX/XX/XXXX when it is documented as XX/XX/XXXX not XX/XX/XXXX. These are two separate accounts!!. JP Morgan Chase needs to stop trying to attach the two when they already know that the primary account is bogus and now trying to attach it to the ELOC.
Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties. 

The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling.
We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on XXXX credit report. XXXX inquires on Equifax.
I opened a residential internet account with XXXX XXXX during XXXX of XXXX in XXXX, XXXX. When opening the account at the XXXX store in XXXX ( located at XXXX XXXX XXXX XXXX XXXX # XXXX ) I purchased a XXXX  brand modem. We continued internet service with XXXX through the summer of XXXX, when we moved to XXXX. When I called to transfer service to our new address, I was told that because I was moving to a new region I would have to set up a new account, but that XXXX would transfer everything over for me. While transferring our service ( according to someone I spoke with at XXXX  this past fall ), the technician erroneously marked that our modem was rented, and not owned, even though everyone I have spoken with at XXXX has told me they have been able to see that I did indeed purchase the modem. Even though XXXX knew I purchased the modem, they erroneously charged me a second time, and later sold the modem " debt '' to a collection agency called XXXX XXXX XXXX around XXXX of XXXX. It took me until XXXX of XXXX to establish with XXXX that I did indeed own the modem, that I had purchased and paid for it in full when I set up our internet service in XXXX, and that the account never should have been charged off. I was told that the matter was settled, and the debt was removed from my credit reports in XXXX of XXXX. However, I found out earlier today that my " debt '' was sold to another collection agency-this time to a company called RGS Financial. I don't know if XXXX XXXX XXXX sold off a debt that doesn't exist or if XXXX once again charged off my account despite having mountains of evidence that I owe them no money, but neither are legal. Attached to this are screenshots proving that this was removed from my credit report previously, and that I currently do not owe XXXX any money.
Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.
I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud
American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.
I have accessed my online Experian account, this morning ( XX/XX/2018 ) from a telephone call disputes, I had communicated to Experian 's telephone representatives on XX/XX/2018, in regards to incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Illinois XXXX documented onto my Experian credit file, in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the city of XXXX, in the XXXX of Illinois and in the zip code area of XXXX. I have received email notification that my disputes are any for review in my Experian account however, once I had clicked onto the hyperlink button, I always received a message as stated, " We're experiencing technical difficulties and can not access your report at this time ; please try again later '' these messages had occurred for few weeks now. I am unable to review Experian disputes results. I have sent Experian the appropriate identification copies as verification proof regarding their incorrect apartment number, XXXX documented onto my Experian credit file, instead of my correct apartment number, XXXX. See attached PDF files.
I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.
Citi Credit Card ( Costco Card ) Changed my statement close date with no notification or approval. They then proceed to charge me late and interest fees along with not deducting a {$4100.00} payment but instead adding it on top of my new balance, which comes to {$7700.00}. They provided no explanation for why this happened. This is clear Fraud. Fraudulent charges ex. late fee, interest fee, {$4100.00} all ready paid. If I tried to take upwards of {$4000.00} i would be arrested. XXXX ( Customer Service Manager ) XXXX was who I spoke with after demanding to speak to a manager and before he transferred me to
Please see the CFPB number listed below and the response from Equifax. Equifax stated they would send a copy of my credit report and score, which they did not ... I was denied credit based off the score Equifax provide XXXX XXXX. I have Equifax Monitoring system, and they score is stating I have an XXXX, but the score provide to XXXX XXXX is XXXX ... I have attached the letter from Equifax stating they would provide me with my score. I attached the letter they sent as always they are trying to hide the truth! 
Please question why Equifax did not send the score and report as they promised. Now, I have been denied credit because if there concerns with keeping consumers credits score low for greater interest rate for banks and others. Please see all the attached letters and sue Equifax for there action and I will consult an lawyer as well. 

How can Equifax provide a score directly from there site and give a creditor a totally different score .... XXXX stated they got that score directly from Equifax! Please see pictures and letters. Someone is not telling the truth and the lawyer will find out as well. 

# XXXX Response disputed Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. A revised copy of your credit file has been sent to XXXX XXXX. Equifax has sent you a complimentary copy of your credit file with credit score on XXXX/XXXX/16. 
Written confirmation has been mailed to you.