WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018, I was calling Experian 's advertised number on their website to cancel the membership service, for which they automatically charged my credit card for {$24.00} each month. I called XXXX on XX/XX/2018 and waited until XXXX to get a live person. He told me that he did not have access to this type of account so he had to transfer me to another person with access to the account. I said this is the number I was told to call to cancel my account. He said " yes this is the number but I don't have access, do you want me transfer or not. '' When I asked him if that meant I may have to wait another 45 minutes, he said he did not know how long. He said he worked at the company 's XXXX XXXX service center. He was very arrogant and cold. By the way this is the only way they can cancel my membership, but I am not able to get through. I feel like I have been hijacked by the company. The only way I am able to get off is to call my credit card company and stopped payment. 

Below is the quote from their website : How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX.
On  XXXX   XXXX ,  XXXX ,  XXXX  Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old  XXXX   XXXX  card. I told them that it had been settled around   XXXX - XXXX  but  they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in  XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by  XXXX   XXXX  or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On  XXXX   XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the  XXXX  of  XXXX , and the associate said she 'd put in a request and promptly hung up on me again.
In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. 

For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. 

If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. 

Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. 

Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.
early XX/XX/XXXX received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. 
After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. 
I cancelled immediately right then - NEVER HAVING PHYSICALLY RECEIVED OR ACTIVATED A DISCOVER CARD I was told when I cancelled in late XX/XX/XXXX that the deposit was " expedited '' and would be received in about 10 days. I called on XX/XX/XXXX to check on a date I could expect that back and was told that nothing was done yet and they would THEN expedite the return of my money. This was the second time I was lied to about about the matter. 
I called AGAIN on XX/XX/XXXX to check and STILL nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. 
On XX/XX/XXXX I had not got any phone call - and had to make a FOURTH call to a manger in XXXX about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. 

I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX XXXX XXXX XXXX.
I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON MY CREDIT REPORT.
I tried disputing with  XXXX   & had troub le verifying due to fraudulent info & I also called Transunion & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that sinc e 2011 so meone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.
This company Crown Asset MGMT LLC has continued to harass me for over eight years. They have a lein on my home and with XXXX for {$4000.00}. I do n't owe this debt and they need to remove the lein on my property immediately as I am about to sell it. I will settle with them at a small price, too. Please help I need this resolved as soon as you get it.
I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
HI. Last year about this time you helped me to solve this problem with XXXX collecting agency, I have case number with you which is XXXX now I got letter from different collecting agency named.RPM.LLC.www.rpmpayments.com.phone XXXX for same case, and I have till XXXX/XXXX/2017 to respond.XXXX
I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and FRD MOTOR CR with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.
I bought an air conditioner off of XXXX and it was working perfectly fine until one day it just stopped working. I had to do a return and clearly explained to the customer service representative that I no longer have the account and no longer associated with Bank of America. He said that we will send the funds to Bank of America and they will send me a check of {$120.00}. So I called Bank of America and they said since you closed your account we can no longer give you any funds so now Im in a situation where I cant get my money from anyone
Date : XX/XX/2018 Peoples Home Equity ( XXXX, TX office - phone ( XXXX ) XXXX ) ran my credit without my authorization. 
I noticed credit inquiries on my report from all 3 bureaus. I never provided my social to Peoples Home Equity, and I mentioned multiple times on the phone that I don't want them to run my credit as I was just looking to talk to them about the loan options. I clearly told them I only want some information since I am just looking into the housing market without anything finalized, and that's why I don't want them to pull my credit. 

In spite of this, I noticed unauthorized credit inquiry on my report. Peoples Home Equity asked some other company ( XXXX XXXX XXXX XXXX XXXX. Phone : ( XXXX ) XXXX ) to pull my credit. This third-party in turn reached out to 'XXXX XXXX XXXX ' and I was told by them that Peoples Home Equity would need to let XXXX XXXX know that it was an unauthorized inquiry so that XXXX XXXX can send that information to all 3 bureaus so it can be removed from my report.

I emailed Peoples Home Equity yesterday but haven't heard back yet.
This has been an ongoing issue with Bank of America. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now XXXX XXXX XXXX, XXXX.Sent letters in XX/XX/XXXX, XX/XX/XXXX, In XX/XX/XXXX sent letters in XX/XX/XXXX and XX/XX/XXXX to  validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XX/XX/XXXXand XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX No XXXX ( XXXX. XXXX XX/XX/XXXX ),  they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.
My loans were with XXXX for many years. I was contacted by a group called the XXXX They said they received my information from the Government as part of Obama 's efforts to reduce the burden of student loan debt and that they believed I qualified for a lowering of my payment. They said if they submitted for the program that I could also get my interest rate reduced if the payment reduction was declined. I asked the guy SPECIFICALLY if they based the decision on adjusted gross income or gross income. He said ADJUSTED gross. I was VERY interested in that as I have to stupidly high interest rate of XXXX % on my loans. They told me to stop making payments to XXXX while I went through the application procedure. That application was denied and I was then told that what the person I spoke to said about getting my interest rate reduced was also incorrect about that and that the approval process was based on adjusted gross income. I demanded a return of the payments I had made to this company which they said was a fee for the processing of the application, on the grounds that they misinformed me of what was actually possible. They reviewed the recorded calls and verified that I was correct and issued a refund. Then all of a sudden I started getting payment notices from a new company called FedLoan Servicing. Apparently buried the paperwork that I electronically signed it indicated that I was authorizing them to take over my loan when I applied for this supposed payment reduction program. This was again something that was NOT explained, and it very much upset me that they did this. I have come to find out that XXXX group and XXXX are owned by the same people. This is a scam and I feel I am entitled to compensation for the deceptive trade practices that this company performed.
I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX  XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX  attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.
XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.
0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. 
In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. 
The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. 
Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.
I recently opened a XXXX XXXX XXXX through Barclays. I set it up for automatic payments. I then received a notice that my bill was past due. I called. Representative cancelled my past due charge and I authorized payment of the amount due which was about {$160.00}. He then set up payment for my next bill and said after that it would be automatic. On XXXX XXXX my account showed a payment of approximately {$3500.00}. Today my account shows a second payment of {$3500.00}. When I called Barclays to ask that they reverse the second payment they said my card shows a credit of {$3500.00} but they can not return it to my bank without an investigation which will take 7-10 business days. This is unethical at best. I want my money returned immediately. When the account was paid in full it should have shown a XXXX balance for the automatic payment on the XXXX. Clearly their system is flawed in many ways and should be investigated. I hope for a rapid fix to this situation.
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
XX/XX/XXXX I disputed with XXXX XXXX XXXX XXXX. on the validity of debt. It was completed on XX/XX/XXXX and thus deleted. I advised Experian and XXXX that item was deleted but they havn't deleted it off their reports yet to date. Please help