WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, a representative from First Data, XXXX XXXX identified himself as the XXXX XXXX XXXX XXXX XXXX XXXX. He had looked at my account and said I was being overcharged by XXXX XXXX XXXX. I would be issued {$640.00} for these overcharges that I did not receive. Furthermore I would be changed to First Data, changing the discount from 3.48 % on XXXX XXXX XXXX to .05 % with First Data. When I told him I was on a contract with them XXXX, he said he would take care of any fees and charges associated with breaking my lease. 
After I was changed to First Data, I was debited monthly for {$68.00} from XXXX XXXX ( their lease # XXXX ). from my bank account. I was told by them I could not break the lease and was liable to pay for four more years or buy it out for over two thousand dollars. 
I called First Data to speak with XXXX XXXX and absolutely no one had even heard of this man. I was on the phone over an hour from one extension to another. 
Now I am paying for 2 accounts {$68.00} for XXXX XXXX and {$76.00} for First Data lease # XXXX. 
On XXXX, XXXX XXXX from First Data called and said I needed better equipment to reduce my fees and service discounts, I told him I was already paying for two processors and was only using one and wanted nothing to do with anything from First Data. He said he was sorry this happened but he would send a processor and pin pad programmed and ready to plug in. It would require to write a new lease ( # XXXX ) and replace the old ( # XXXX ) .I would need to increase my lease for 4 more years with a cost of {$93.00} monthly. 
The new XXXX XXXX arrived without a pin pad. and it was the same as the one it was to replace. I called to request the pin pad and XXXX XXXX said it would be here in three days. Well it was n't. 
Now I am paying for three leases a total of {$170.00} to First Data. 
My lease has been four years with XXXX XXXX and should not be billed anymore. I returned their machine. They are calling the store and my home harassing me for payment since I stopped payment on their debit After I have written First Data again, I have received a letter with apologies but he said he could not do anything. That was another part of the company. 
I have five of these letter scanned and attached to this complaint form. 
Will I ever be able to get out of this mess? 
I am a small XXXX XXXX and am suffering from this.
WALMART CREDIT CARD Issued a credit card on my name without my autorization and reported to the 3 credit bureaus damaging my credit.They never talk to me about this card and I never disclosed my social security number to them. 

My son only request a user card for me, but did not mean they had access to my credit without autorization or responsable for this accounts either. This credit card has lower my scores dramatically. ( XXXX points ) from my last credit report. 

Last night I went to monitor my credit ( XX/XX/2018 ) with my bank ID alert and I was in shock with this issue. My son call Walmart customer service last night and today XX/XX/2018 ) to removed me from his accounts and fixed that error with the credit bureaus. 

Walmart never should issue a card without autorization of person involved, even if it is additional card.
Equifax allowed my most private personal information to be stolen from their systems in XXXX XXXX. They failed to disclose this theft until XXXX XXXX, XXXX. This put me and 146 Million other consumers at risk for life long identify theft, since the stolen data can not be changed by citizens. 

Repeated attempts to place a " credit hold '' on my account have failed because systems are unavailable, both on-line and by phone. So there is not protection of my accounts. Because I can not change the stolen data, such as social security numbers and date of birth, I am open to identity theft for the rest of my life. 

Repeated attempts to get an up-to-date credit report failed because " the system is under maintenance ''.
Annexed herein EXHIBITS A, B and C are responses from XXXX XXXX XXXX ( XXXX ) onXX/XX/XXXX to a CFPB complaint from me relating to XXXX account amounts {$1000.00} ( acct. number starting in # XXXX ... ),  {$1200.00} ( acct. Number starting in # XXXX ) and {$310.00} ( acct. number starting in # XXXX ) shown on my XXXX credit report dated XXXX XXXX XXXX. In XXXXs responses, XXXX linked each of these accounts in my complaints to XXXX accounts ending in XXXX, XXXX and XXXX, respectively. XXXX alleges I opened these accounts on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, respectively Astonishingly, XXXX states each of these accounts were opened under different name ( s ) than mine and at different addresses from mine. Therefore, I do not know who owes the named creditors and if XXXX even knows themselves. I lived for almost the last 20-years at only one address and you as a credit bureau know that because you see my home mortgages paid on-time every month at my true address. <P/>Why is XXXX claiming these debts against me over such a long period of time ; making up more new dates of opening these accounts when they resell/buy these accounts to/from others which extends the amount of time the record appears on my credit report - so the result is there is no time limit and it looks like these unknown debts will continue on my record forever. By all accounts, these debts will stay on my record for the rest of my life while credit bureau just looks at that, taking no action and permitting XXXX and others to keep renewing a debt that does not belong to me! So, even more confusion will be created when another debt collector will refresh ( buy ) the debt as if it is a new debt created by someone else other than me. <P/>I am amazed how XXXX is giving me more new names and addresses ; places I never lived and do not know what is there and who is living there. Each of these dates cited by XXXX are unsubstantiated by XXXX with no documentary evidence and/or original account level documentation. Even worse, XXXX has refused to present such findings to me. <P/>What is so remarkable about these ( 3 ) dates of alleged account openings almost exactly align with major milestones related to a life crises for my family. Given the seriousness of my familys life crises, it was impossible for me to open these accounts for shopping or follow my credit report because my life crises was the number one priority in my life and required all my time and energy. <P/>I do not know XXXXs motivation to denigrate my character and reputation through my credit report without presenting a shred of evidence to validate their claims ; instead of looking for the responsible parties with different names and addresses from mine. These incorrect and erroneous XXXX accounts reported on my credit report must be deleted in their entirety from ALL ( 3 ) credit reporting bureaus for lack of validation. <P/>By accepting claims that do not belong to me and accepting the different names and addresses, the credit bureau is forcing me to be someone else other than me which is negatively affecting my life tremendously and the credit bureaus know or should know that very well.
Greetings : I made a Money Gram Transfer onXX/XX/XXXXusing the online service in the amount of {$100.00} + {$12.00} for the service fee totaling {$110.00}. The funds were deducted from my account onXX/XX/XXXXTwo ( 2 ) days passed and the receiver never picked the money up, so I canceled the transaction. I contacted Money Gram and they stated it would be up to 10 business days ( I think it was ) so I waited. I did not receive my money back in the 10 days as promised, so I called again. The second call, they stated give it to Monday which was 2 more days away. After that Monday, I called again and was told to give it to the end of the week. Again, I waited ; still no refund. I called again and was asked to check my bank account ( no refund there ) and was given an email to send a copy of the transaction showing it was deducted from my account. I did that onXX/XX/XXXX ( an entire month has now passed ). Please keep in mind that NO ONE has contacted me AT ALL regarding this matter. I'm the one who has to keep calling them and every time I call, it's always something else they are asking me to do to show proof. Today XX/XX/XXXX.. now almost 2 months have passed and they are asking me to send them my ENTIRE BANK STATEMENT as if what I sent isn't showing enough. I've sent that in as well as of today. Today, I called the complaint line to file a consumer complaint and was directed to this website. I'm contacting you guys because I use Money Gram frequently and to have such a hassle just to get back my own money is RIDICULOUS!! I AM LIVID, DISAPPOINTED, FRUSTRATED AND READY TO HAVE THIS RESOLVED. No one should have to go through such extreme to get their money back. Every thing requested OF ME has been done ... why can't they just release my money back.
Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.
I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. 
Thanks, XXXX XXXX
US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.
I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.
My son got behind on his payments with Wells Fargo Dealer Services and was trying to get caught up. My name is on the loan also and I helped him pay the fees when the vehicle was repossessed. Wells Fargo neglected to get the redemption hold papers to the repo company on time and the truck ended up at an auto auction lot out of state. Now they are paying to have the truck towed back to Iowa and I was told it would take up to 2 weeks to get the truck back. Today is the last day of the 2 weeks and nobody seems to know where the truck is and will not give me the name of the transport company who has the truck. Wells Fargo keeps telling me to call back tomorrow for more information. I call every day and they give me absolutely no information so why should I keep calling to get no information. I want to know where this vehicle is. The tow company that agreed to accept the vehicle and tow it to my home has been ignored on phone calls and emails and is getting very upset as well. I have a complaint with the office of the president with Wells Fargo but that is n't going very well either at this point.
Every time I have a XXXX balance on my Macy 's credit card, I get a {$2.00} charge. For what? I have called and they say I do not have to pay it, yet, others who have n't paid, had it accumulated and then got charged late fees! So I pay it, but it is n't right. If I have a XXXX balance, then I owe, NOTHING. Also, I noticed in collecting my bills to file this, I have been charged {$2.00} on top of interest!
I work as a XXXX XXXX. Currently, I have XXXX credit cards with J. P. Morgan Chase. They closed all my credit card account in one day suddenly without any type of notifications on the date XXXX/XXXX/2017. I did n't use the card for any illegal action. I did n't violate any of their issued credit card regulation. And I paid all my bills on time, never late for a day during the 11 year period of time. And my credit score is very good. I ca n't not think of any reason why they did this to me without any kinds of explanation.
On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. 

On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. 

However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.
My Discover Card was illegally billed unauthorized charges totalling over {$3000.00} by XXXX XXXX XXXX. I informed Discover timely ( within 2 weeks before it was too late to make a complaint ), and gave Discover all information from the insurance dept who caught this dishonest dentist overbilling and illegally charging my card. I also sent the court documents showing that I won my case in court against this dishonest orthodontist. Discover, refuses to credit back these unauthorized fraudulent charges and Discover has refused to give me the regulatory agency for the Discover bank and the legal New York State address for service of legal papers to their CEO XXXX XXXX, to serve papers to sue for the charges to my Discover card they are refusing to credit back. When I call the woman in the office told me " XXXX XXXX is too big to sue '' and hangs up on me, refusing all legal information I am requesting. I ask that your FDIC agency assist me in either getting my credits from the illegal unauthorized fraud charges to my Discover Card and the legal address for service for XXXX XXXX, CEO - Discover. Thank you. 

XXXX XXXX ( # XXXX ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX Cell ( XXXXXXXXXXXX ) XXXX XXXX, ny XXXXDiscover Card # ending in XXXXcard imageGood Afternoon, XXXXCard DetailsProfileCurrent Balance $ XXXXXXXXCredit Line Available $ XXXX of $ XXXX ActivityLast Statement Balance $ XXXXXXXXLast Statement DateXXXX XXXX, XXXXView StatementMinimum Payment Due $ XXXXXXXXPayment Due DateXXXX XXXX, XXXXDiscover More CardAccount number ending in XXXXOpen Date : XXXX XXXX, XXXX Close Date : XXXX XXXX, XXXXCardmember Since XXXXCustomer Service at XXXX ( XXXX )
I have an existing account with Kohls ' since XX/XX/2006. This year, I attempted to increase the credit limit twice, which should have resulted in a soft inquiry. Note there was no notice stating that there would be a hard inquiry. Instead, Kohl 's did two hard inquiries, as if I was applying for a new card. These inquiries significantly dropped my credit score. I contacted Kohl 's several times about this, and they said they would remove the inquiries. However, the inquiries are still there as of today.
I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Wells Fargo is reporting a debt being charged off on my credit. I've been in contact with Wells Fargo to resolve this matter they have been unwilling to settle the debt or update my three credit Bureaus XXXX, XXXX and XXXX reflecting a O balance. 
I'm being held hostage by Wells Fargo Bank and discriminated against because of the way they are reporting this debt that they say they can't collect or update balance on my credit. I need to clear this debt up because of employment opportunities.
Transition is reporting to mortgages from XXXX as open owes XXXX dollars the account s have been paid in full and closed.please update asap