WillisBack/dataset-financial-user-claim huggingface dataset:
COMMONWEALTH FINANCIAL has inserted 13 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed Commonwealth of this status. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.
Outstanding bill for XXXX XXXX was sent to collection agency. I paid it in full but the collection agency is still looking for payment from me.
I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.
I have been a long-term and high volume customer of AMEX. I have a number of secondary cards on my account. When I added the card before thie XXXX, I asked them to expedite the sending of the card, meaning use an overnight service, rather than regular mail. They acknowleged and said they would. But they did n't. It went out regular mail instead. This caused very serious issues and necessitated a change of plans since the card did not arrive in time. 

Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent, but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing, except that this time they opened a ticket to figure out why they could n't determine the status. 

I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card, they ca n't fix their error and send a new XXXX overnight. 

This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable.
I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX  they told me they sent fund to your bank but they don't know when they release fund to your account.
First I felt I was getting no cooperation from the XXXX the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call XXXX finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to XXXX on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XX/XX/XXXX - XX/XX/XXXX submitted, reporting a first deliquency in XX/XX/XXXX ( and then closing the account XX/XX/XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit XX/XX/XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to CBV Collection Service XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XX/XX/XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with CBV Collection Service then fraud in re-aging the account. I found a CBV Collection Service online with a different toll free number based out of XXXX with complaints and actions against it but not one answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.
I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so.
This is a complaint about a change in the first date of delinquency from XXXX XXXX with XXXX credit Bureau. The original first date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the second report dated XXXX/XXXX/XXXX the first date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.
I have Direct Deposit with Netspend ( XXXX ). My job sent direct deposit for {$6100.00} on XX/XX/18. XXXX received on XX/XX/18. I was supposed to have the DIrect Deposit in my account at the latest on XX/XX/18. I had to wait for 48 hours to receive my deposit.
My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.
Seterus, Inc. continues to report that our mortgage payment is late, at this point they have reported this for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted them in XX/XX/XXXX and told them that we were going through a financial hardship because of a job loss and then having to relocate to another state once a job was found. We tried to sell the house but were unable to do so and let them know that we were no longer able to pay both the mortgage and our new rent and asked what options we had. They suggested a deed in lieu of foreclosure so we completed and submitted the necessary forms. We were approved XX/XX/XXXX and we continued to receive threatening letters from Seterus and their law group, XXXX XXXX XXXX that we owed for XX/XX/XXXX and then XX/XX/XXXX. This was all while we completed the paperwork that needed to be notarized and sent back to the XXXX XXXX XXXX. In this paperwork we signed over the property to Seterus , Inc. on XXXX XXXX. They received this packet on XXXX XXXX via XXXX. On a trip up to visit family on XXXX XXXX we went past our old home and found a note attached to the front door stating that XXXX owned the property that was dated XXXX XXXX. We are in the process of filing disputes with the credit bureaus but we would like this matter resolved and for Seterus , Inc. to stop reporting that we are still late. We would also like them to file the necessary paperwork with the county since we are still listed as the owners of the property. Therefore we have our old HOA contacting us as if we still own the property and claiming that we owe them for HOA dues for XX/XX/XXXX and XX/XX/XXXX.
I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.
I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help
The company misrepresented that I owed a debt that it could not substantiate my ownership, even when I requested that documentation be provided. Further, the alleged debts were from XX/XX/XXXX and XX/XX/XXXX and I indicated if they were mine it was past the statute of limitations. Additionally, they provided information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate. Lastly they failed to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency and used illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer.
I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.
The debt with the company XXXX XXXX was paid in full on XX/XX/2017 however nobody filled this paperwork with the court. When you attempt to contact this company you get a recording stating to call back during working hours even though I have called during those hours. The other company involved in this case is Midland Credit Management. When I call this company I am told they are unable to talk to me because there is an attorney involved. When I ask for that information they are unable to provide it to me. I have paperwork showing I have paid my debt in full but nobody will submit that paperwork to the court and remove the lien. It has been removed from my credit but still shows up in the court system as an active case. This is now preventing me from getting a home equity loan that I am more than qualified to receive. 

I am not sure what else I can do at this point as the company has my money but will not file the proper paperwork.
On XX/XX/XXXX I called the customer service dept at XXXX 's XXXX XXXX and requested a refund check of an overpayment made on my 2 accounts. They agreed there was an overpayment and they will expedite the refund process and it should be processed within 10-14 days. Today, 60 days post request, I do not have a refund check. The following actions were taken. 
Called- XX/XX/XXXX and was told the refund check has not been processed and I will have to wait again 10-14 days. 
Called -XX/XX/XXXX spoke with a supervisor who explained it was the holidays and it would take longer then usual but to call back again in 7-10 days. 
Called- XX/XX/XXXX and spoke to another supervisor who said the refund check was processed on XX/XX/XXXX and to expect the check in 7-10 days. 
Called- spoke to a supervisor XXXX on XX/XX/XXXX and who stated it was still in process and has not been mailed to my home. Each time I have asked for another number, department or higher management which was always denied by the supervisor of customer service. 
Called- XX/XX/XXXX supervisor ( XXXX ) had told me that the check was mailed on XX/XX/XXXX and I should see the check within 7-10 days. 
Called- XX/XX/XXXX and told them I have not received a refund check and to ensure it was mailed on XX/XX/XXXX. It was confirmed it was mailed on XX/XX/XXXX. 
Called- XX/XX/XXXX and again spoke with supervisor and told them I have not received a check. The supervisor XXXX said she would escalate it again and for me to wait 72 hours before I call again. 
Called- XX/XX/XXXX and spoke with XXXX who stated there was a problem and that the check was NEVER processed nor was it NEVER mailed to my home. The previous notes were untrue and she was going to escalate it again to Maintenance Dept for solution. 
At this time I submitted a XXXX XXXX XXXX complaint. Also, I went on to social media to find someone in higher management. I demanded a call back within 24 hours from the manager XXXX in the Maintenance Dept with a solution. The supervisor XXXX replied with " there was not a guarantee of timely response and I should call the customer service number myself. '' Today XX/XX/XXXX, still waiting for a response and solution.
Within the last month Equifax is allowing inaccurate and reinserted information to appear on my credit report. Not sure what is going on but they are damaging my chances to purchase a home. See Attached reports. XXXX report is from XXXX/XXXX/2015 and the XXXX is XXXX/XXXX/2015. The most recent report shows XXXX duplicate listings for $ XXXX and a public record all of which were deleted 3 years ago. Please help
THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.
I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  XXXX
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... 

XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
XXXX credit started running my credit without my authorization several months back. I called and spoke with someone at XXXX and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. XXXX continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from XXXX. I have asked numerous times for this to stop, but XXXX continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but XXXX has done nothing. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.
I place a security freeze on Equifax and now i need remove and i can't.For 3 days i call them and they transfer for electronic request.iI spend about XXXX min on the phone for XXXX times and they do n't remove.
In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.
On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.
My loan was transferred from GMAC to Ocwen years ago. I had to fight with them on even getting ACH payments set up. I have NEVER made a single late payment on my morgtage, and today when I noticed my XXXX 2017 payment was never pulled by OCWEN I called them. I was told they transferred me to a new division in OCWEN and that the system cancelled my ACH payments and I was " notified by a letter sent out ''. I was NEVER notified, I have NEVER made a late payment and now they wo n't set up my payments again. In order to set up a matching payment plan they want an extra mortgage payment upfront " because that is what the system tells them ''. I will be watching my credit reports and scores closely, I have spent too long rebuilding my credit from my " stupid XXXX 's '' period to now to have this crooked company ruin it now.
I have been trying to work with Experian to take off a debt can no longer be reported by Law. The length of time has passed. somehow, The date that has shown reported since, has changed. I provided a copy of a old credit report that shows the correct date. When I try to dispute with experian. they say they verify with the creditor. But they should just look at my evidence to show that the original creditor is not providing the correct information. I also saw that in just the previous month. It had been removed and then put back on with a later date to remain. This is very concerning because experian is the only one left that is having a problem removing this debt and not following the reporting law for length of time. I am including another copy of a previous credit report to PROVE that the dates are incorrect. Creditors should not be allowed to just change dates when ever they feel like it.