WillisBack/dataset-financial-user-claim huggingface dataset:
My wife made a purchase at Kohls in XXXX. Indiana on XXXX in the amount of {$53.00} using Kohls credit card Received a statement from Kohls in XXXX 2015 with a balance of {$53.00} Paid with a check to Kohls Payment Center on XXXX Check # XXXX from XXXX, XXXX. 

A bank statement fro XXXX XX/XX/XXXX showed ; '' Electronic Check XXXX CAPITAL ONE ARC ( CHECK PYMT ) XXXX '' Since that time we have received threatening phone calls up to three times every day at dinner times and at bed times that we owe Kohls money.
Several months ago I received a solicitation call from Amex with an offer of XXXX membership rewards points if I upgraded one of my Amex business cards to Amex Plat. That salesperson explicitly and directly told me that I could " downgrade back down to a lesser Amex card once the annual fee hit.

I questioned that and they confirmed -- there's not the slightest doubt in my mind I was told that. Another  Amex rep just under a month ago, said I " should wait till the account renews in XX/XX/XXXX '' before downgrading. They now have pulled the XXXX and said I needed to stay w/ the Plat for 1 year ( and, hey, not really all that unreasonable, ) but the sales team ( or whatever they are called ) definitely, definitely, definitely lied to me when " selling '' the upgraded card back in XX/XX/XXXX or whenever that was.
I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.
Never had business with such company & I never lived at the original address on file for this billing. I request this be removed off my report
Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.
To Whom It May Concern, I am working with a financial and housing counselor who is writing this on my behalf as I am XXXX XXXX  and only had this phone service for XXXX for two weeks. I am not aware of a verbal or written contract that was placed for the account and am asking that any concessions that can be made on my behalf due to any continuous billing be considered forgiven or waived. <P/>I am willing to pay for the service for the two weeks of my usage but beyond that I am not willing to pay. <P/>I had no way to contact XXXX after having their service terminated as I never received any further bills or statements. I have returned their equipment and am requesting that I only be charged for the 1 month of service I had and any additional billing be waived as this account has been sent to collection for XXXX and originally the service was quoted to me at XXXX/month. <P/>I reached out to them with a financial counselor on XX/XX/XXXX after still receiving collection acct notices to try to make the debt solvent and was put on hold for over an hour and a half. I was denied any ability to have any additional billing waived as they forwarded me to 4 different areas and stated I would have to pay the above mentioned amount that had been sent to collections because the acct was closed even though this was months after I had turned the service off.
I bought my first home in XXXX when I was XXXX years old. I needed to have XXXX loans on it to purchase it and I really wanted it. I do n't know the reasons why but I had XXXX conventional loan at XXXX 30yr at 7.25 % and a XXXX ballon loan XXXX 15yr at 8 %. After XXXX yrs I refinanced my XXXX loan reasonably. But nobody seems to want to touch the XXXX loan or wo n't touch my XXXX loan. It seams unreasonable for the lending company 's to have a policy that would prohibit the loan from being refinanced.
On XX/XX/2018 I submitted a loan application to XXXX XXXX in XXXX, to buy a used vehicle. My credit score is XXXX on XXXX  and my XXXX score is around XXXX. I have very little debt, and my home is paid off. Based on my score I should have been offered no higher than 5 percent interest but the dealership said I was being offered 12 percent which they later emailed me and said it was just over 9. The company Ally Financial has been fined multiple times for discriminatory lending and I believe they have not altered their practices. I am a XXXX woman, XXXX XXXX vet and graduate student I do not think it's fair to have to overpay for things as basic as a car loan.
What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
XXXX, Transunion and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015. 
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}. 
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015. 
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral. 
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me. 
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.
This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.
XXXXXXXXXXXX is my email XXXX XXXX is my name TU took money off my card and I do n't know anything about it and I need help with this
Pennsylvania Department of Labor & Industry made a payment of {$490.00} on XX/XX/XXXX to my XXXX   XXXX XXXX XXXX XXXX in the Name of XXXX XXXX XXXX. Funds as of XX/XX/XXXX have not been posted. When I contacted US Bank advised they will not tell me 1 ) if and when funds actually received and 2 ) when the funds will be posted to my card thus making them available to me. 

Additional concern is US Banks hold the funds in their account and delay in posting to account holder.
My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but XXXX failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business Equifax and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that equifax and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report
I opened a Chase branded XXXX XXXX Rewards card in 2014. When I signed up for the card I did so due to the current marketing offer that was sent to me for a XXXX point XXXX bonus after the required spend in the XXXX 3 months. I hit the required spend, but I was not given the correct promotional bonus. I called in a couple of months later to notify them and was told that I should see the points show up in the next couple of months. It has now been a year since I first signed up for the card and I have paid my second year 's fee on the card of {$390.00}, but I still have not received my XXXX XXXX point bonus offer.
Navient has continuously charged me high interest rates, while in forbearance or deferment and made the process for entering into an IDR program lengthy- while interest accrues on my account and no other options are or were available to myself, I want to add this complaint to the law suit that has been filed against Navient.
I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?
please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. 
experian needs to remove right away instead of disputing this account. 
thank you for your cooperation
I purchased a certificate of  Deposit  from   XXXX    XXXX   XXXX  and  XXXX  in   XXXX  . The  XXXX  &  XXXX  was purchased by  XXXX   XXXX   XXXX   XXXX   XXXX  which was purchased by  Capitol One. Capitol One ha s refused to help me cash in my CD. I searched state of MD and VA for abandoned property finding nothing. These funds are insured by the FDIC.
XX/XX/XXXX-I received a letter in the mail that RPM ( Receivables Performance Management LLC ) is trying to collect a debt from XX/XX/XXXX, for XXXX XXXX saying I owe {$120.00}. I have never had an account with XXXX XXXX and this is the first I heard that I owe money for a XXXX XXXX account, I have never received anything from XXXX XXXX saying I owe them money ... .I think this company RPM is a FRAUD/SCAM!! I called RPM at XXXX, I spoke with a guy that eventually hung up on me, then I called back, got hung up on again, called back got a different lady that could barely speak English ( or so I thought ) until I said, " I 'm sorry can I speak with someone else I ca n't understand you '', suddenly she started speaking plain English!! then I am transferred to a so called manager, I opened a dispute with them and gave them my email address and telephone number ( which they got by caller ID ) - I am freaking out because I know this is a scam!! I then called XXXX XXXX XXXX they checked my name and address and said I do not owe them anything. The lady tried to connect me to XXXX disputes XXXX ; she said they have heard of this from several people. ***I know XXXX had a breach of information just a couple of months ago****
Debt is being illegally reaged by this company. I have had this debt removed from from my reports by the credit bureaus several times and they keep reaging it and reporting it as new.
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018
Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.
Please help me, I 'm trying to avoid foreclosure and Chase keeps playing games telling me that XXXX XXXX XXXX p. XXXX ext. XXXX who first told me that my account is assigned to her, I called her asking her what was the status of the short sale was and she told me that my account was just transfer to XXXX XXXX one her co workers because she did n't feel like working with me. 
So I called XXXX XXXX from the short sale department who told me that the account was back to XXXX XXXX since the manager ( XXXX XXXX p. XXXX ) who re assigned the account back to her. 

I called the manager directly because I felt this was a game that all Chase is doing is delay the my request so they can foreclose on my home. I tired of their games and I really need your help to stop Chase from doing this to my family. 

XXXX XXXX
This is my story with 'Nations Recovery Center '. Originally called on XX/XX/XXXX to inquire about a debt for XXXX XXXX '' I told them they were calling the wrong person as I had had this number for over 10 years at that point and knew no one by that name or had even met a XXXX . I told them to not contact this number again and that it was a mobile number. 15 minutes later I receive another call from them in which the hung up as soon as I said hello. I called back the number and talked to an operator who at that point said they put me on a no call list. I received two more calls in XX/XX/XXXX and XX/XX/XXXX which I either missed or blocked. Fast forward to XX/XX/XXXX and I receive another call at XXXX XXXX. I again tell the woman that she has the completely wrong number and that I 've already asked to not be contacted again, before I could get her name she hung up on me. I called back and spoke with an operator that transferred me to a supervisor. I told him the situation and he was unapologetic and said he highlighted the note in there system in red now ( really? ). Although he was reluctant I also managed to get the name of the woman that called me on XX/XX/XXXX ( XXXX XXXX ).
I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.
Based on the documents synchrony Bank has provided none of the documents has my name on it but a account statement and a delivery receipt..A check with with XXXX XXXX name on it showing the last payment made. Loan agreement sign by XXXX.The guy at rooms to go ask for my personal information so i would be able to sign for the furniture if XXXX XXXX was n't at home he also advise that i could n't apply for a loan or cosign because i was unemployed at the time.Once the loan went delinquent Rooms To Go, Ge Money Bank, Synchrony Bank did whatever they wanted to with my personal information after i was advised by Rooms To Go it would only be use for delivery purpose only.I have uploaded supporting documents showing who is liable for this debt. This was a walk in purchase from Rooms To Go store XXXX XXXX XXXX, XXXX XXXX XXXX, NC.XXXX
My SSI Benefits were posted to my Direct Express Debit Card on XX/XX/2017 in the amount of {$730.00}. I accessed my card on XX/XX/2017 to withdraw my funds and I discovered that I only had a balance of {$3.00} in my account. I contacted Direct Express on XX/XX/2017 to find out what was going on with my account and was advised that there were over 25 withdrawals against my account over a period of 7 days all coming from a XXXX XXXX XXXX Account ( which I have no idea as to what this is ). I advised them that this was not anything I authorized. Customer service deactivated my current card ( to stop anymore activities from coming across ) and said I should receive a new card within 10 days and I needed to contact their fraud department ( which I did ) and file a report so I could get my benefits back. I filed the report and on XX/XX/2017 I received a letter in the mail from Direct Express which stated the following " The fraud services department has completed our investigation of your claim dated on XX/XX/2017 in the amount of {$730.00}. Based upon our review of the information you provided as well as our internal records and you card history, we can not confirm that fraud occurred. Our investigation indicated that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. '' First of all it was not a transaction it was a combination of over 25 such transactions against my account and what bank allows that to happen with a persons SSI Benefits which they rely on for support every month. I feel like they did not try to retrieve my funds and they should because I reported it as fraud and contacted them as soon as I was aware that my benefits were no longer on my card. Please Help. In fact as I was on the phone with them reporting my claim they could still see charges trying to come through even after my card was no longer active.
I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.