WillisBack/dataset-financial-user-claim huggingface dataset:
I was unknowingly and illegally billed by Experian credit monitoring for over 18 months. They refuse to refund the money while admit that I have never logged into the services. When asking to speak to a supervisor or compliance officer the request was refused. I have been unknowingly charged over {$500.00} in small increments over time and it is apparent that this fraud is rampant. Upon further pressing, the representative said I needed to write to the consumer relations office and physically mail the complaint to a P.O. Box. They would provide no phone, fax or email address. This is a clear attempt to make complaints challenging. 

When you call Experian the first option on the phone is to cancel the account. It is clear this is the case because of the high volumes of people calling to cancel unwanted or unknown services they are being illegally charged for. This is a terrible way to make profits on victims, not customers. As I have never once used the service, I deserve a full refund. This is very similar to XXXX, opening unwanted accounts without their victims knowledge. 

There is great irony in a supposed credit monitor service actively and knowingly committing fraud on consumers.
I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.
Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam.
I am currently being sued after not one but two attempts to be sued for a purchased amount by XXXX XXXX XXXX. They purchased a debt worth {$1300.00}. XXXX and another debt worth {$980.00} however, for both debts I have not been notified of 1. Name and Address of Alleged Creditor, Alleged Account Number, Date Alleged Debt Became Payable, Date of Original Charge Off or Delinquency, Amount Paid if Debt was Purchased, Proof of Debt, Payment History, Copy of Initial Loan Agreement or Credit Card Application, Proof of Debt Ownership all of which I am entitled to know due to the Fair Debt Collections Practices Act ( FDCPA ). It is to my understanding that XXXX XXXX XXXX is aware that I am entitled to this information and relies very heavily on that possibility that I may not be fully aware of my rights and reluctancy to attend court or reluctancy to dispute lawsuit is the premise of their business. I now have XXXX XXXX XXXX on my credit report and would like it removed. I am going to court to on XX/XX/2018 to vacate a default judgement that was motioned on XX/XX/2018 by XXXX XXXX XXXX because I was never properly served. There was a failed attempt at being served by XXXX XXXX XXXX , XXXX via certified mail but no record of my signature indicating that I received a summons because I did not. After being told the case was thrown out due to their method of communication I was under the impression the case was done. However, now I have to defend my rights under the Fair Debt Collections Practices Act and ask the judge to vacate the judgement.
A company named XXXX is calling my home, my cell phone and the home of my in laws stating that they have papers to serve me and that they will be arriving at my home or places of work to serve them to me for a debt I owe. I am XXXX years old and do not work. My daughter called them and they told her it was a XXXX XXXX account opened in 2000. I have never had a XXXX XXXX account. My daughter also checked my credit and there is no record of a XXXX XXXX account. They continue to call all of us even though we have asked them to stop.
My student loan payments had been around {$340.00} a month for several years and without notice in XX/XX/2018, the payment went up to {$720.00} a month. 
I called AES to ask my options and see why the increase occurred. They explained that I was paying interest only. I asked what options there were to lower my payment as I was unprepared to make that payment. They said that I had no more options available. They suggested that I try to consolidate. By the time I found a bank to consolidate with, I was so far behind in payments that I could not consolidate and I was receiving threatening letters and phone calls that would ruin my credit, garnish my wages and more.
ON case # XXXX AES said that my loan was extended due to deferment - I never requested deferment and they are still withdrawing payments from my account. I have not nor will I sign anything. I want to know why my loan is in deferment and how it got there. I also asked for the information pertaining to arbitration ( where I needed to file and who to contact ) I was not given this information. This request was submitted in writing per AES 's request. Please provide:1. why my loan is differed2. what documentation was provided that requested deferment ( attach if you have please ) 3. a copy of the contract I signed with XXXX for loan XXXX. the information needed to begin filing arbitration as the changing of loan terms is illegal and makes the contract null and void
I was charged a payment protection fee by XXXX for the past 8 years ( XX/XX/XXXX ) totalling over {$1700.00}. This is a feature we never signed up for, needed, or even wanted. We have had auto payment on this account and not used it for 3 years, but due to the fees the balance has gone up considerably. I contacted discover XXXX XX/XX/XXXX, to find out what the fee was for and cancelled it. I asked to be mailed any documentation showing we signed up for this, but was told they don't have anything. They did cancel the service, but we still have to pay the old fees. After a quick XXXX search I found several people discussing the same problem and settlement in XX/XX/XXXX for this very same issue.
I initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.
Dear Company : I am a victim of identity theft due to the XXXX Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Capital One has mailed out a letter stating that XXXX released information about my account/transaction to them when no permission was asked. For the record, I would have not minded being on the call and giving my permission. No permission was asked!!! Based on my recent call with executive offices I believe that the letter was generated solely to deny my dispute.
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX
Transunion, XXXX, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to Transunion. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. Quality Acceptance is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by Quality Acceptance to all 3 credit agencies. XXXX XXXX, XXXX and XXXX.
On  XXXX / XXXX /   17  a  XXXX   XXXX   Visa  card was activated in my name. I do not have this card nor did I ask to receive this card. I have sent the company two messages using their secure messaging system on their website.
In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.
Due to canceling my escrow account and bi weekly payments, Wells Fargo informed me that my mortgage has been adjusted to a lesser payment to reflect the changes. I already had fund with the bank to cover my XXXX mortgage payment short {$43.00}. The bank accepted the short payment and emailed me requesting the shortage of {$43.00}. A couple of days later I made an online payment to cover the shortage. Wells Fargo mishandled the payment and never apply it toward my XXXX mortgage payment it's been like 2 months and hundred emails and the issue has not been resolved to date. I'm requesting that my {$43.00} be applied toward my principal ASAP.
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " 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 & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
XXXX XX/XX/XXXX I spoke with a collection rep for XXXX XXXX regarding my account that is being garnished through my Social Security check that this account should have been included under the SCRA the rep became very rude I asked where to submit my documentation for my SCRA dispute and I emailed the collections department to discuss my the discrepancies. 

XX/XX/XXXX I spoke with a supervisor named XXXX in customer service when the conversation started out she was understanding of the situation when I asked to speak with upper management regarding the services of how the companies handles Due Dilgence she became very short and rushing me off the phone this business practice of working with servicemembers is poor customer service XX/XX/XXXX to XX/XX/XXXX I had 2 other accounts that I paid on time and paid off. This is so sad that they treat there customers this way. All I '' m trying to due is get this matter resolved and go on with my life they don't listen to customers at all.
Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..
mother passed XX/XX/2016 without a will she had property in MASONTOWN PA. her in tensions were to put the property in mine and my brothers name. she went to a place in her home town and paid to have our info added, but it did not happen, but there is a witness. any way since she passed, without a will, because the mortage company refused to speak with any one, we agreed that my sister would be appointed as the person to contact. now that the mortgage company required her to be listed as administrator or executor of the estate order to speak to her, she went through that process. now she has aurthorised my to resolve the issue. I have contacted the company three time to resolve the issue. I have asked to be added to the mortage as the successor, and bring the mortage current, and begin loan modification. they told my sister she had to be listed as the person to contact, by law in order to talk about the loan, and now the have refused my offer 3 time to bring the loan current without XXXX triggering the process, and the have refused to add me as the successor, I do n't understand why this is so hard, the loan value is XXXX. can you help company is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ACCT NO XXXX PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.
On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.

Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.

All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.

Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.

On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.

How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?

XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?

Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent XXXX and Trans-union certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to  address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.