WillisBack/dataset-financial-user-claim huggingface dataset:
For over a week I have been trying to sign up for the Equifax Trusted ID service to freeze my credit report with Equifax due to the recent security breach. I was able to successfully freeze my credit report with the other two agencies in under an hour with minimal effort, but with Equifax I have been met with nothing but a wall of miss-information and unhelpful representatives. The e-mail that Equifax said they were supposed to send to complete the enrollment process has never arrived after more than a week. When I call I am told someone will call me back in 24-48 hours, but they never do. When I called today ( 3 separate occassions ), I was told by a call center representative that the e-mail may never come and I should stop trying. When I asked to speak to a supervisor, I was told they dont have any supervisors, just people working the phones giving out other phone numbers to call that are non-operational numbers. One of the numbers begin given out is XXXX. What is most frustrating is all the advice we keep hearing from so called 'credit experts ' that keep saying, sign up for the free Equifax service and lock your credit report. Obviously they do not have the same issue that many others are having. Would appreciate your agency investigating Equifax and their ability to handle credit freezes and the services they are advertising. Someone at Equifax needs to be held accountable and our elected officials should investigate the company.
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.
I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist
Capital One Bank- In earlyXX/XX/XXXX I wanted to pay balance on my card as I do every month. I called the bank but was put on hold for 2 hours. I also emailed the bank. But received no reply. Concerned that if the card was lost or stolen I would not be able to notify Capital One I decided to close the account. 
After several days of calling I finally reached a live person & closed the account. 
OnXX/XX/XXXX I sent a check for the balance. On XX/XX/XXXX I received a statement for the balance plus interest. I called my bank & was told the check had not cleared. 
I called Capital one & ask to be connected to Fraud Division. The 1st person I spoke to disconnected me. I called back twice & was put on indefinite hold. 

I believe Capital One is holding my check in order to keep the account open & collect additional interest payments. 
I am a Senior Citizen with health issues. Capital One is causing me additional stress which is affecting my health.
Sent Equifax certified mail XXXX which they received 32 days ago. I have not heard back from them and am locked of out viewing my equifax report. I contacted them asking them to show me how they came back as the account with XXXX XXXX being 'verified '. Still, no response. I sent them a fax an additional XXXX times asking them to give me information on the account. Since it 's been over 30 days, this needs to be removed immediately.
TransUnion, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************TransUnion-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX/XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX COMPANY # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX  CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY TRANSUNION AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX/XXXX, AND XXXX XXXX XXXX. THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA.

**********************************XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX credit file. If XXXX can not or chooses not to conduct an investigation of the same ( 3 )  accounts that are being reported by XXXX and TransUnion, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
My wife opened a credit card in her name and had my name added it to it later to help build my credit. In XX/XX/2017 my wife had unexpected XXXX XXXX and was mostly unresponsive until XX/XX/2017. I had no knowledge of the American Express card at this time to make payments. I began to get phone calls from family members, specifically my grandmother, stating that American Express was calling them 3 to 4 times a day in regards to a credit card bill. How is it lawful that a credit card company can contact family members and inform them of debt? That is a violation of my privacy. I reached out to American Express in XX/XX/2017 and they informed me of the balance which was astronomical and I told them it had to be incorrect and to please send statements to my address. Next thing I know, we are being served with a lawsuit from an attorneys office. American Express 's own card member agreement states it will send you notice of intention to file suit 30 days before it does so to allow you to work out the bill with them. Not in this case! And as it turns out, my wife reported the card stolen and tons of transactions were made that were not ours. Not to mention almost 5000 dollars in interest and fees!! I try to dispute the negative items but American Express says I must take it up with the attorney 's office. The attorney 's office gives no response on how to handle the fraudulent charges. Now the attorney 's office continues to sue us and file court documents in the wrong parish, causing me to miss entire days of work traveling to a different parish because the attorney 's office won't acknowledge they are filing in the wrong parish. They have filed a total of 3 court documents in the wrong parish, which by FDCP is {$1000.00} per violation. My wife filed bankruptcy because of medical debt and included this card in it. 

American Express has violated SEVERAL FDCP rules. 
1 ) filing in a parish where I do not live 2 ) Harassing phone calls to family members. My grandmother thought I was going to be arrested. It's extremely embarrassing.

3 ) Illegally informed third party about my personal debt 4 ) Failed to send written debt validation letter. Violated their own personal card member agreement by not informing us of their intent to file suit 30 days before.

5 ) Ignore my requests to dispute fraudulent charges ( I have a police report that proves card was stolen. ) 6 ) Collecting interest/fees/money not owed. Thousands of dollars charged in interests and fees.
Received a Balance Transfer offer from Chase Bank which explained the terms of 0 % interest for several months and a XXXX % transaction fee. See uploaded documents. I used the on-line transfer mechanism to complete the transfer of an account balance from a XXXX 's credit card of {$15000.00}. The Offer documents contained no reference to any special repayment terms ( method of calculating ) that would be implemented if I took advantage of the offer. I have been a long term customer of Chase with an 18 year experience base with payments regarding my credit card account. At no time during those 18 years did I ever encounter any minimum repayment terms that were more than XXXX % to XXXX % of the account balance. When I checked my account several days after completing the transfer I saw that a payment was due of some amount ( was not in excess of {$150.00} ) which I promptly made a payment of {$150.00}. several days or maybe 10 days later I looked at the account on-line to make sure that my payment had been recorded wherein I discovered that the upcoming minimum payment due was {$750.00} ( by memory ). I was shocked but thought that since I had just recently completed the transfer and had made a payment that maybe there was some type of glitch that caused the unheard of minimum payment. I thought that I just needed to give it a few more days to sort out the obvious error. But the Minimum Payment has not changed. The situation prompted 2 or three phone inquiries to Chase where in I was first told that the minimum payment calculations had recently been changed to be XXXX % of the unpaid balance. I asked that to please tell me when and how such notification occurred. To which I was told that a letter would be mailed to my home address. I was not told that these new terms were made known to me or that they were included as part of my account or that these re-payment terms were a part of the Balance Transfer offer. On my last call ( today XX/XX/2016 ) the man who looked at my account began by telling me that minimum payments are calculated at 1 % of the unpaid balance plus interest and any late fees or penalties. He then stopped after looking at my minimum payment and said that the rate was XXXX %. This is a clear case of unfair and deceptive consumer practices. An offer was made, of which I accepted and then new terms are applied to the transaction which will put my account in default and result in additional fees, penalties and charges. 
I want the repayment terms to be established at no more than XXXX % of the unpaid balance and any extra fees, penalties or interest charges to be refunded.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.
I have noticed that a company by the name of Pinnacle Credit Services have listed a debt on my consumer credit report. I have disputed the listing with the XXXX major credit bureaus because i do not believe that this debt belongs to me. I have never received any correspondence on the validity of this debt by mail or by phone, however it has been listed on my credit reports. This account has since been removed from XXXX of my credit reports XXXX XXXX and XXXX XXXX, but is still listed on my XXXX credit report. I have reached out to Pinnacle Credit Services by mail asking for documentation ( debt validation and or debt verification ) and nothing has been done. I have informed them that i am fully aware of my rights and have asked for timely verification ( i.e. amount of debt and name of creditor ), and still have not received any. This listing on my credit is having a major negative effect on my XXXX credit report. This company should know that they are required to provide debt validation when asked by the consumer per FCRA requirements. Please look into this matter.
I have disputed with them them over and over via the credit unions. they continue to come back verified I call the number available on my credit report the recording says number not available. I went on line to get a fax number when i fax them a recording says not available I sent them a email with no response. 
i am a victim of identity thief either send me a contract i signed or delete. 
IF THEY CAN VALIDATE THE DEBT THEY CAN ANSWER THE PHONE Here is the email I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account as it appears on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX Dear credit representative, I am disputing the account stated above. Previously I disputed this account information as being inaccurate you responded by stating the you were able to verify this debt. So it stayed on my credit report however I have yet to see an original contract or any proof this is mine. 
The fair credit reporting act requires you verify the validity of this within 30 days at the Time if it can not be verified you are obligated by law to remove it from my credit file I urge you to remove it before I am forced into legal action. 


CFPB, XXXX and all 3 credit bureau will be receiving a copy of this letter. 



In the event you can not verify this debt I request you remove it. If you continue to report this on my credit I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations I may Sue you and any qualified for state or federal court including small claims court in my area. 


I look forward to a swift and amicable resolution to this matter sincerely XXXX XXXX
I 'm not understanding the interest on the balance ... the amount is more than what I was told and I 'm not seeing a decrease with my payments.
Several accounts on my credit report have been paid off and its not being reflected on my credit report. my scores are not reflecting my positive credit status.
Penn Credit, XXXX, has left two messages on my phone stating the call is about a debt. They don't ask for anyone by name, I haven't received any written correspondence about a debt, I'm paying all my bills as agreed, and I've checked my credit reports to verify that there are no unknown accounts on them. It sounds to me like they're fishing for business, hoping someone will fall this and give them personal information. It also seems to me that they've disclosed too much by stating the reason for the calls without verifying that they have the right party.
I have recently initiated an International Wire transfer ( XXXX ) in my bank by filling in the Foreign Wire Request Form. It was accepted by a bank rep. It was on XXXX XXXX. Date the transfer should have been available to recipient is XXXX XXXX. As of today, the transfer has n't still reached them. In my bank they say the transfer is complete now. They called to double check the last name of the recipient saying their correspondent bank have probably made a mistake there. 
Yesterday, I asked them to open an investigation request to check the current status of the transfer.
In XX/XX/XXXX-XX/XX/XXXX I requested a HAMP modification from Wells Fargo having a XXXX XXXX loan. What I was given was not the HAMP and the modification I was given was something similar but not the HAMP. For 8 years, I have been arguing with WF to correct my modification and they of course refused. Now, in XX/XX/XXXX finally, they agree that I should have been granted the HAMP and they made an error in denying me such. However, since, they refuse to correct and and provided an accurate HAMP modification for me. Today, finally, XX/XX/XXXX I receive a recasted agreement from WF and it is not correct. They have given me a deadline of XX/XX/XXXX - one week- to review this and sign and return it. This is nonsense when they have taken so very long to do it and now they give me one week. The figures are all off and I have NO documents to check and audit it prior to me signing and agreeing to these terms and my balance ( which has been changed several times ) Just on the paperwork mailed to me, I see accounting errors not adding up correctly. They are threatening me " to take action '' whatever that means, if I do not sign and return by XX/XX/XXXX. I want to state again : I am current on my loan and have always been The loan I have now benefits WF more so what is their issue with this deadline The modification they recasted is NOT correct WF refuses to provide me with the requested documents for review and my file contents WF forcing me into signing this agreement as they did back in XX/XX/XXXX. This is bullying, fraud, corruption, It is awful they way I was spoken to when I informed them I need the deadline of XX/XX/XXXX extended. XXXX XXXX XXXX
I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.
On XX/XX/2016, I made verbal arrangement with Windham Professionals ( contracted via the Dept of Educ ) to pay back a school loan in default. The arrangement would be to pay {$280.00} mo 240 months 20 years charging me every month electronically using my credit card. I was told that interest would be paid first & then principal which made sense when I made the calculation for the debt of approx {$66000.00} & that interest, fees, garnishment, etc would not occur as long as payment continued. I noticed that my credit card was no longer being charged & statements were no longer being received & called them. They told me that they had no record of such agreement regarding the 20 years payoff ... & that I was supposed to call them a year after I made said agreement to renew the agreement if paying {$280.00} per month in which {$4.00} would go towards principal & the rest to interest & fees that increase daily. I asked if all their calls were recorded which they confirmed bc this verbal agreement was in fact made & feel that Ive been defrauded which now increased the student loan to close to {$70000.00}. I was also threated that they would garnish wages if I did not make payment ASAP. The original call in XX/XX/2016 was made with Ext XXXX XXXX who then transferred me to a supervisor whom made this verbal agreement regarding the 20 year time period to pay off. This is a clear case of negligence, dishonest business practices, & consumer abuse. I thank you in advance for your assistance. I just want to pay the student loan but I seem to have been duped.
I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.
I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.
My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit.
In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.