WillisBack/dataset-financial-user-claim huggingface dataset:
I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.
I have tried to get this handled multiple times through cfpb and wells fargo directly. The last complaint letter from Wells Fargo specifically stated to start a police report in any jurisdiction, which I have done. I emailed & faxed them the details on this, but have not yet heard back from them in regards to the fraud complaint / case. I will be re-attaching all of the details from my previous cases and appeals with Wells Fargo. This has been going on since XX/XX/2018. 

I will not re-detail all of the information on the case here, but it is all in the attachments. In summary : ( 1 ) I disputed the charges as fraud ( 2 ) I followed all the directions provided to me by the credit card company ( 3 ) I have opened the police report as required by the credit card company ( 4 ) I still have not received a satisfactory response / credit to my account to void out all of the fraud charges ( 5 ) This has been severely hurting my own credit at this time due to Wells Fargo 's negligence.
Ive tried disputing online before it supposedly came back verified i also sent a letter directly to the company however i noticed that this company is not bonded in the State of Texas and can not legally collect debt.
A medical bill was sent to collections XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. The original balance of the debt was {$2000.00}. A settlement was reached for {$1000.00} on XXXX/XXXX/XXXX. The current balance has shown as {$0.00} since XXXX/XXXX/XXXX. The Pay Status for this account has been " Account Paid in Full ; was a collection '' and also " Paid In Full in Settlement. '' All credit reports up until XXXX XXXX, XXXX reflect that this account was closed and balance was {$0.00}. On XXXX XXXX, XXXX the status of this account changed to open on my credit report. There is no longer a debt owed. After requesting that this closed collection account be removed from my credit reports, XXXX changed the status to an active/open account. This is inaccurate due to the settlement that was agreed upon in XXXX of XXXX. Any action taken after XXXX/XXXX/XXXX is inaccurate.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX , XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX
I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. Navient had previously offered to settle at {$15000.00}.
XXXX XXXX XXXX/Chase took {$5000.00} that I over paid on my lease account and gave the dealer a {$5000.00} credit on the dealers payoff on the vehicle which I returned. Unfortunately, when I requested a refund I was told " NO '' by several customer service reps and their escalation team. Another department Customer Account Research has requested and received a copy of my bank statement showing the cleared check. I was never informed that the overpayment would be applied to the dealer 's payoff. I had planned to purchase the leased vehicle, but I changed my mind. No contract was ever received or requested.
i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back
My home mortgage account was with XXXX Bank and it was sold to LoanCare XXXX. I recieved a notice from XXXX bank about a month and a half ago informing me of this. I have not received any correspondence at all from LoanCare XXXX. I am concerned after reading reviews about this new company that this is their common practice to trap people into paying unnecessary fees.
Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.
Diversified Consultants Inc XXXX Fl XXXX XXXX call me almost daily asking when I am going to pay the amount ( over {$1000.00} ) I owe to XXXX, a phone Co. I do not owe any money to that company or any other company. I tell them that but they do not believe me. I ask them to send me something in writing that shows I owe money, but they do not. They have the wrong person but will not give up. Could you please put a stop to this.
Continues to call after I've told them to STOP calling. I have now received FOUR calls since the last time I notified them to stop calling. Each time the agent who calls says this is the first time they've called, meaning them the person NOT the company. It's a lie and a tactic to skirt around the fact they've been told not to call. I have received no notice in the mail yet they continue to harass me via phone for collection. EACH person says they'll put it in their system not to call then proceeds to still harass me about the debt.
Capital One is reporting an account on my credit report as opened on XX/XX/XXXX. I sent them a letter on XX/XX/XXXX requesting information on this account. They replied that the account was opened over the phone or via de internet. I replied that this is a fraud account and I requested an investigation. they replied they see no signs of fraud because they received a payment. I replied that if they received a payment I need a copy of the form of payment they received so I can investigate since this account was opened in my name without my authorization. They replied the same thing " We see no signs of fraud ''.
Hello, I am writing this as I am writing a complaint about my private student loans from Navient. I have paid my loans on time for 5 years straight without seeing any type of impacting decrease in the repayment. I have asked to lower my interest rates that are ridiculously high and have been told no over and over. I have asked to be on a income driven repayment plan along with just paying interest and I have also been told no. 





I asked to have my loan payments be adjusted for a longer length of time to have my payments lowered and Navient has once again told me no. They have left me with no other alternatives but to only pay what I can each month. They have now affected my credit greatly and have refused every opportunity that I have asked them to help me with my situation. I have had to file for bankruptcy last year and they are still relentless on letting up on their repayment tactics. I am issuing this complaint in writing as I have no other alternative. 




Thank you, XXXX XXXX
I have bought a product in 36 installments with XXXX XXXX who gave me credit through Synchrony Bank. The bank instead charged the amount of {$3900.00} in full. When I called them to ask about on XXXX/XXXX/16 they have told me they will issue a check for {$3800.00} and that it will take up to 3 weeks to arrive. I received letters on the e-mail saying the check was sent on XXXX/XXXX/16. It is XXXX/XXXX/16 and the check never arrived, now they are charging me again for the {$3800.00} amount due on XXXX/XXXX/16. At this point I just want to avoid paying them again since the check never arrived and I already paid the full amount. Please help me this is going to get me in trouble with my credit if I do n't pay them again.
Yes my name is XXXX XXXX and paid {$340.00} to capital one credit card company and supposedly settle for less left with a {$0.00} balanced and still showing {$350.00} dollars and the original amount was {$690.00}. I paid this in the beginning of XXXX and Showing {$350.00} Remaining when it should be {$0.00}.
I received a text message on Saturday XX/XX/2018 from XXXX stating I had new activity on my credit report. I signed into my report on XX/XX/2018 to see a new collection from Diversified Consultants Inc. posted on XX/XX/2018. The amount of the collection was for the exact same amount of money that XXXX XXXX XXXX had fraudulently posted to my credit report on XX/XX/2018. 

I immediately called XXXX directly and told the operator about my prior experience with XXXX XXXX XXXX and asked the operator to review the new collection from Diversified Consultants Inc. The Equifax operator confirmed that the new collection was from XXXX XXXX XXXX for {$300.00}. 

XXXX XXXX XXXX posted this same collection on my credit report in XX/XX/2018. I was informed via XXXX via text on XX/XX/2018. I called XXXX XXXX XXXX and the operator told me the collection was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX and the operator confirmed my account with them was in excellent standing and that XXXX XXXX XXXX had not sent me to collections. When I called XXXX XXXX XXXX back the new operator told me that the collection had been paid in full and that they no longer had a collection account for me. The operator gave me this information Account number XXXX Address XXXX XXXX XXXX XXXX, CA. 
I called XXXX XXXX XXXX back with the account and address and XXXX XXXX XXXX had no accounts under this information. 

I am concerned that both XXXX XXXX XXXX and Diversified Consultants Inc. are scams. 

Equifax is removing the new collection posted of Diversified Consultants Inc. over the next 30 days. I will not be making contact with this company due to the fact that XXXX XXXX XXXX has not sent me one notice in regard to my account, which XXXX XXXX XXXX confirmed they would do prior to sending me to collections.
I have a lawful power of attorney through my son and XXXX, XXXX XXXX XXXX XXXX. The credit card company is refusing to allow my son to access my account and has insisted that I provide a power of attorney that it has approved. As an XXXX, my son has confirmed that the power of attorney is valid under the California Probate Code, Sections 4000 through 4545. It is unclear American Express has asserted that the power of attorney is not valid. A legal basis or explanation, showing what part of the Probate Code that the Power of Attorney does not comply with would be appropriate.
on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX
I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.
I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!.
On XXXX XX/XX/XXXX i sent a letter to the XXXX  XXXX XXXX  hospital to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$150.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX XXXX hospital did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections or cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX  I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. If you do not agree to the amount on the check ( {$150.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. Thank you XXXX XXXX
A card was open in my name with capital one bank using my information without my knowledge. I reported it to capital one bank. They close the card ending in XXXX and open a card ending in XXXX. 

I was out of the US for two years. The account was open while I was in XXXX ( XXXX ). I suspect my sister as I left her in my home to care for my daughter while I was away. But she denies it. I reported it to the police. 

Please close all credit card accounts in my name as they are fraudulent accounts. 

Thanks,
I have disputed a department of veteran affairs account with Experian about inaccurate balance and improper payment status and they have consistently refused to update and/or remove this account. The original balance on my experian credit report states {$910.00}. The actual original balance was {$41.00}. This account was paid in full in XX/XX/XXXX yet experian gave me a negative payment status in XXXX of XXXX. I have contacted the Department of Veteran Affairs Debt Management Center and have verified this information and have received a letter stating these inaccuracies yet this account has never been corrected.