WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft and I have been a victim for years. I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Equifax received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
I have had a PayPal account for years. Recently, they provided me with a PayPal credit card. Never asked for it and never wanted it. The web site forces me to use it and defaults to use the card, though I have other credit card and bank on file.
I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.
Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. 

I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX   needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.
on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed
I have a serious issue with this Rep with BB & T. Her name is XXXX and I spoke with her today after I called back again when they hung up on me. Not a way to do business. 

I have an issue with BB & T Bank. My account number ending in XXXX. This is a student account because I am a college student.Now I opened up an online account and I requested the overdraft protection. I had a {$6.00} overdraft and they charged me {$36.00}. Ok I understand that. That was less than a week ago. Now today I get a letter stating that another {$36.00} fee was attached to my account and Now its at a - {$77.00}. So I called BB & T at XXXX and also the number of the back of my card since they hung up on me the first time XXXX. I spoke with a XXXX. I told her that I did n't understand where the extra {$36.00} fee came from. She told me they paid the overdraft and I knew that and that they charged me another fee since it was n't paid within 7 days something that I never heard of before. I told her what is the purpose of the overdraft protection if I am still being penalized. I am being charge {$70.00} plus dollars for {$6.00} dollars. She stated that the overdraft protection is a courtesy that the bank can pay it or not pay it. So I asked her whats the purpose of it if I am still penalized. I had already made contact via email regarding the initial {$36.00}. So I asked XXXX am I going to be charged every week another {$36.00}. She said only once. I told her to close out my account and send me the remaining balance of {$77.00} because I was n't misled like this with the other bank. She told me she could n't close my account out until I bring it current then she can do it. I told her that I want that account closed right now. That I am not paying anything until I get the information that states its closed and I get the balance in my hand. She then threatens me by saying she will send it to collections. I told her I do n't care who she sends it to. CLOSE IT OUT. So now since I do n't want to do business with BB & T, she is going to deliberately allow my account to linger and accrue more fees in an attempt to inflict harm to my credit. What Bank reps you know threatens collections when a consumer wants to stop doing business with them. That 's crazy. At that point, I was getting irritated with her and to keep from cursing her out, I hung up. No one threatens me to do anything. Who is she suppose to be. They trick the consumer into opening these online accounts to get over on them later. I have a right not to do business with anyone who allows their rep to behave this way. If I have to go to the media with this, I will do just that. But I suggest BB & T get a grip on its employees and their scheming practices. I will not pay any money to them until they close out my account. And I am only paying the {$77.00} I should n't even pay that since they never disclosed a 7 day fee of an additional {$36.00}. This is the first time I have heard of such nonsense.
XXXX was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.
XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account
CONVERGENT OUTSOURCING is showing on XXXX  and XXXX credit report falsely as ofXX/XX/XXXX, date opened XX/XX/XXXX, account balance {$420.00}, last reportedXX/XX/XXXX. ALL INFORMATION PROVIDED IS FALSE!
I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!
I continue to receive phone calls from a debt collector regarding a loan that I have never taken out with this company. I have asked this company to provide documentation or a contract related to this loan and they have yet to provide the requested information.
XXXX cable sent us a bill for service at a XXXX address on XXXX. We never lived there and disputed the debt in writing on XX/XX/XXXX with XXXX, XXXX, XXXX, XXXX, and XXXX. The credit agencies deleted from our credit report. In XX/XX/XXXX Credit Management sent us a collection notice and they had changed the address of the original charge to our correct address without any account info on the bill. Credit Management falsely made the bill look as if it were attached to our current address. We have never lived at XXXX in XXXX and I reported the incident as identity theft to the credit agencies.
Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.
XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX  of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Please see attachment with Death Certificate indicating XXXX  by a XXXX shot to the XXXX. Link to brothers obituary XXXX XXXX XXXX XXXX
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XXXX XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.
I am disputing the findings of TransUnion Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead TransUnion Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. TransUnion Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. TransUnion Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
XXXX. TransUnion Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
See attached document regarding the mis-handling of bank account, excessive amount of time to take care of customer via customer service and denying fraud complaint.
I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.
I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.
purchased XXXX XXXX XXXX financed thru XXXX XXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be.

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
Recently my insurance company sent Wells Fargo a check towards the Pay Off of my vehicle. I called Wells Fargo and XXXX ( XXXX ) explained that because the Check was from an Insurance Company it does not " count '' as a Payment and my account is 40 days behind. Despite a Large payment from my Insurance Company and payments of XXXX from me. Additionally the Maturity Date of the Loan is XXXX 2017 and Wells Fargo is demanding the Total Balance of my account a Year Early. 

I asked XXXX ( operator XXXX ) to mail me a copy of this policy and she said that she could not because it was a confidential arrangement between My Insurance Company and Wells Fargo.