WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.
Experian is a fraud company and advertising falsely that you can see your credit information on the credit check total. However, I have same day reports from Experian and credit check total and it's not the same. I've paid for months for this fraud service and now I see it's a total scam.
My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX
I am the consigner for my daughters student loan through Navient. She paid 3 months XX/XX/XXXX. They called her XX/XX/XXXX and told her that the interest needed to be paid. She paid the interst and put it in forebareance. She was told that she did not have a payment until XX/XX/XXXX. They put on our credit that we were delinquent for XX/XX/XXXX and XX/XX/XXXX. My credit rating fail from XXXX to XXXX. We were never notified about the delinquency
In XXXX I started a search to re-finance my mortgage so that I could lower my rate, lower my payment and take advantage of some of the benefits that come along with that such as skipping payments, receiving escrow money back from the current mortgage and so on. Anyway, on or around the XXXX of XXXX I started speaking with Freedom Mortgage, the process at first moved smoothly and around the XXXX I was told that my file was moved to underwriting. At this point I felt comfortable and secure in Freedom Mortgage and I was set to close on XXXX/XXXX/2016, and I did. Then on XXXX/XXXX/2016 almost a week after closing I received a call stating that they would have to recall the loan due to the payoff amount differing from what they had to what was received from my current mortgage holder. I complied right away and it was taken care of in a matter of minutes on my end. At this point I was freaking out because I had already planned/spent the mortgage money that I would have used to pay XXXX payment but because as I stated above I was comfortable and confident so I thought that everything would work out. 
Since this point however everything that could go wrong has gone wrong and getting responses back from anyone has been nothing short of horrible. I was set to close on numerous occasions and something always happened. A lot of the benefits that I spoke about above I am now going to miss out on due to the timing and because of things that were outside of my control and things that should have been done/fixed before we got to here. I have also asked that someone tell me the " numbers '' and explain to me how or what they can do so that I can still enjoy some of the benefits that a re-finance should offer and if everything was done properly from the beginning would have been offered. Finally, on XXXX/XXXX/2016 I closed on my loan at my house with a notary that did not explain anything and just ask me to sign the documents and I did because it was my last opportunity to get it done on time, once completed he advised me that because he was running late he did not have a copy of any of the documents for me and that he would get them to me. That night I emailed two of the contacts at Freedom Mortgage and let them know that I completed the signatures and ask that someone call me to cover the documents since the notary did n't have answers or a copy to leave for me. Since that time I have not heard back from anyone at Freedom Mortgage and now the loan has funded. I feel that due to certain circumstances out of my control I was taken advantage of due to an early error on their end. I also feel that anyone that handles mortgages should be up front and very direct about the process and numbers given the amount of money that a mortgage entails. This process once the loan had to be redone has been very unfair and deceptive on behalf of Freedom Mortgage and to this date I still have not heard back from them.
I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.
Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all  XXXX  bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may be a    XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of them.
Portfolio Recovery Associates added a negative item to my credit report in XX/XX/XXXX. I called them and inquired as to what this debt was and how it came to be that it was assumed my debt. I then asked for them to verify that this debt was indeed my debt and to send my proof ( such as an application, with my signature on it, in it's original form ) proving that this debt belonged to me. Om XX/XX/XXXX what I received was a bunch of statements with nothing more on it than my name, address an account number a balance and dates from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX? /This was not what I asked them for, nor was it proof that this was my debt. So i disputed through the Credit Reporting Agencies, They claimed also that they verified the debt, yet they also failed to answer my request for the method of validation. So in XX/XX/XXXX, almost a year from the time that this item was on my credit report and had brought my credit score down by 48 points, I requested the information again, this time asking for specific documents verifying that this debt was my debt, Once again I received a letter from them stating that " We have completed our investigation of your dispute concerning your account '' and inside the letter was the same exact information that was sent before, They haven't sent the application, because they don't have it and have never had it because I never completed an application with them, Furthermore, the Fair credit Reporting Act says that furnishers of information must " Provide complete and accurate information to the credit reporting agencies within 30 days of the dispute or the information must be deleted ''. Portfolio Recovery Associates has yet to do so after one year.They was reprimanded in XX/XX/XXXX by your Bureau and it seems that they are back to their old ways. I have been harmed by this reporting as it has cost me job opportunities as well as increased financial distress and I had no other option ( at this point ) than to seek assistance with this matter,
I have attempted to dispute with both XXXX  and Experian unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX   balance that I received from the alleged creditor.
I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX
it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX
Received email XXXX/XXXX/XXXX from Citibank with the offer replicated at this website : XXXX : XXXX? XXXX Offer is for 0 % interest on credit card purchases through XX/XX/XXXX as long as paid by XX/XX/XXXX. What the offer fails to disclose and will not be disclosed unless one thinks to ask, are : 1. Balances outstanding now if not paid on the current statement will be charged interest at the standard card rate ; and 2. Charges, even if not yet billed as of XXXX/XXXX/XXXX will immediately start being charged interest on XXXX XXXX if not paid off on XXXX XXXX. Hence, someone using the card after the cutoff date preceding XXXX XXXX is in for standard interest charges, a fact that is not disclosed. 

This promo is a misleading, back-door, misrepresented way to impose interest charges on unsuspecting cardholders, who are led to believe that they are being offered a benefit, encouraging use of the card. 

Citi should be required to rescind this promotion or forgive all interest charges that may accrue for anyone signing up for this underhanded program.
This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effectiveXX/XX/XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.
Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # XXXX
My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.
My name is XXXX XXXX and I contacted Navient approximately 2 years ago and requested to only contact me by mail or email. I asked them to remove my home and work number and any other numbers they have affiliated with me. I did not want to be contacted by any other means. In turn, I've paid the required payment every month. I have not received any phone calls to my home. However, on Sunday, when I arrived at my church, XXXX XXXX XXXX, I was approached by the church secretary and was told Navient has left several messages for XXXX XXXX to contact them immediately. She stated there were messages on the voice mail from XX/XX/2018 to XX/XX/2018 and calls were also answered by an associate at the church on XX/XX/2018. Other than attending the church, I've never worked at the church and I've never received or made any personal calls from the church. I did not even know the church telephone number until I inquired about it to file this complaint. They have violated and consistently disregarded the Telephone Consumer Protection Act although I've made numerous request to only contact me by mail or through email.

I reviewed my online account and in my profile, it list my phone number as ( XXXX ) XXXX. This is the number to the church. I have never provided this number to them and it is on file that I do not receive any phone calls. I've had the same home number for more than 20 years and the same cell number for 18 years.
OnXX/XX/XXXX XXXX  notified me that someone had applied for a credit card in my name at Capital One. With XXXX XXXX   help we called Capital One to inquire and Capital One stated that an application had been applied for but the Capital One would stop processing and remove the credit check at the credit bureaus.

On XX/XX/XXXX, I received a letter from Capital One stating that I had been approved for a credit card containing a $ XXXX limit. The letter was sent to an old address in XXXX  VA, then forwarded to me. I currently live in XXXX XXXX FL. I called Capital One and was told to provide my issue in writing to them which i did.

On XX/XX/XXXX I received another letter sent to my old address from Capital One dated XX/XX/XXXX, stating that they did not see any fraud! When I called Capital One and gave the automated system my information it stated that my credit card had been approved and a card was being sent to me! I am asking Capital One to cancel this application that I did not apply for, provide me with a copy of the original application for the card and also remove the credit check they issued on my credit at the credit bureaus onXX/XX/XXXX. Attached are copies of my letters with Capital One.
A company called XXXX called me at XXXX on XXXX XXXX, 2016. They do not leave a message, call repeatedly and have finally called late at night last night. I do have some past due bills but have been working with the companies to repay, but do not know who or what company this call is for. It has become ridiculous trying to keep track of who is calling for whom and why. 

Please let me know what I can do to stop this nonsense! 

Thanks, XXXX XXXX
I spoke with a Bank of America representative on XX/XX/2018, I was informed I was vip customer, the automated system kept transferring me to the fraud then the loss prevention department and then to the account closure department, i rejected and decided to speak with customer service. While I was speaking with customer service I was informed that My account would need to be handled by the fraud department. I spoke with fraud who informed me that I had reported my card lost or stolen, I replied I did not. She reviewed the profile and stated I would need to speak with the card closure department, so I did. The lady asked me to go to a bank a physical bank and withdraw my money because BankofAmerica does not need to give reasons for closing accounts. I asked if this was because of the complaints I had submitted or because I requested reasnoable accommodation through the american with disabilities act?  The lady over the phone responded that Bank of America does not need to give reasons and kept reading the disclosure. I went to a bank all drive thru tellers are closed. I called again a rude representative stated this is the card closure department I do not need to be polite and you account will be closing on XX/XX/XXXX. I asked for a check in the mail she said she could not and then disconnected the call. Please help me bank of america will not allow me to retrieve my money back. I hope this is not because of the elections!!!
XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.
BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.