WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX,2017 I was online and saw an link to a card that would pay XXXX dollars for spending XXXX dollars in the first 90 day. I clicked on the link, it was wells fargo, I filled out the application and was accepted on line. I spent XXXX dollars in the card in the first month that I had the card. At the end of the first billing cycle in XXXX I checked my account and there was not a cash back reward, I called wells fargo and they told my it would be given to me in XXXX 2017 at the end of the 90 day intro. period. In XXXX when I checked wells fargo had only put XXXX dollars in my rewards account. I called wells fargo and inquired about the cash back rewards deposit. Wells fargo opened a case for me on the XXXX of XXXX and said it should be completed in 14 days. I called back on the about the XXXX of XXXX and it still had not been completed, and was told that it was real close to being completed. I then called back on the XXXX of XXXX and was told that it had not been completed yet. I asked to speak to a supervisor who gave me the same answer, and he told me that my case had been taken to the next level of the investigation. ( not sure what that means ) I told them both that this was not their fault, but was not very good customer service. After the lady gave me her reason for the case not being completed. I told her that I was going to file a complaint with the CFPB. and that what they were doing to customers was a bait and switch, At which time I told her was illegal and that I expected to have the XXXX dollars of the reward monies put into my rewards account by the XXXX of XXXX 2017. I  then reiterated that I was going to report them to the CFPB. Thank you for your time in looking into this matter. last four XXXX XXXX XXXX XXXX XXXX, USA ( XXXX )
Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
I called my card on on XXXX XXXX 2017 before going to get a money order at XXXX XXXX it said that I had XXXX on my card, I got to the store and only XXXX was on it I cant get a hold of anyone or do anything and this is the 2nd time this has happened. I got XXXX dollars taken off my card and no one can tell me where it went or anything I am tired of this and I do not have any recourse on this. <P/>I can not get a hold of any one with Direct Express because the automated system keeps hanging up on me. It says we are experiencing higher than normal call volume and hangs up on me. <P/>this is the only money I get for the month and then I am out of luck.
I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX
I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.
I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help.
This company contacted me by mail stating that I owed a debt from XXXX in XX/XX/XXXX on XX/XX/XXXX. I have no knowledge of this debt & this debt isn't shown anywhere on my credit report. However back in XX/XX/XXXX- XX/XX/XXXX I did have XXXX XXXX that eventually ended up in collections but that was settled last year. I've sent letters to Pressler & Plessler LLC as well as the court. I've also asked them to send me valid proof of this debt in a letter via certified mail on XX/XX/XXXX & I haven't gotten a response from them until now. They sent me another letter recently stating wage garnishment but still haven't shown me the proof that I've requested.
On XX/XX/2018 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.
I am in the process of trying to close on a home and my loan processor informed me that I had an installment loan opened in XX/XX/2017 that showed current with a balance in the amount of {$5300.00}. I paid this off in XX/XX/XXXX. I contacted Kashable LLC and was informed that the pay off wouldnt show until possibly the end of XX/XX/XXXX. I thought all was well. The issue is that Kashable has not reported any of my biweekly payments. {$5300.00} was the original loan balance. I again contacted Kashable and was jnformed that they would try to get me a paid in full letter from the supervisor to provide to my processor. I emailed the same person the next day for an update and didnt get a response.
I submitted/initiated a short sale with US Bank a HELOC that is in first position 28 days ago and there has yet to be any update or progress made. I call to check on the file at least once a week so there is no excuse that this file would be overlooked.
Experian has violeted the FCRA and my rights. They have failed to properly investigate valid disputes on the information they report. I have documented over the last 1 1/2 years my correspondence with experian repeatedly requesting verification and validation of disputed items. My 1st dispute was sent in XX/XX/XXXX in which I disputed many items on my credit report. Since that date I have sent 5 letters to experian. They refuse to properly and lawfully investigate my account, they also failed top provide me with notice on how they verified and with whom they verified the information they are reporting.

Experian has failed to provide the requested documentation and process for how they verified the following accounts. 

XXXX XXXX # XXXX Not my account. Creditor has failed to provide any documentation supporting this is my account. 
XXXX XXXX XXXX # XXXX Inaccurate open date, see page 3 for documentation. Account shows balance but indicates a charge off, balance should be {$0.00}. Creditor has re-aged account info. 
XXXX XXXX  # XXXX This account has inaccurate remarks, it was paid in full and closed by my request. This has been removed from all other reporting agencies due to inaccuracies. Please delete this account. 
XXXX XXXX-Experian has failed to note that this account is disputed -FCRA violation # 1 Experian has failed to note who the account was sold/transferred too -FCRA violation # 2 Please delete this account for Inaccurate information. 
XXXX XXXX # XXXX - I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, please remove all late payments on these dates and send updated report XXXX XXXX - Inaccurate balance, loan amount says {$26000.00} charged off but showing balance of XXXX. This account is falsely reporting Balance, monthly payment, and status. Company has failed to properly notify of account status. FCRA violation # 1 Delete immediately I request verification, no XXXX system
On or about XX/XX/2018, Equifax has a fraud alert displaying on my fico report. Today is XX/XX/2018 and my credit scores have not changed a single point. I keep track of my credit scores on a daily basis using XXXX. Is there an issue or an alert fraud freeze on my file? If there is, I did not requested this not called it in.
I have submitted a written request to Equifax, asking them to remove the consumer statement I added seven years back. The company ( XXXX ), which I was disputing, is no longer disputing. This fact makes my old consumer statement irrelevant therefore incorrect.
Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.
XXXX , XXXX  Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX   Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
We paid off our Mortgage with XXXX in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open
On XX/XX/2017, I requested Experian to Block the following accounts per FCRA XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Balance {$7200.00} XXXX acct # XXXX XXXX  Balance {$11000.00} XXXX XXXXXXXX Business Acct # XXXX I provided all required documents per FTC, including an affidavit of identity Theft a signed govt report of Identity Theft and a copy of My credit Report identifying each account. I even had all the documents notarized.

In Experians responses they never answered the primary question ; whether they blocked any of the accounts listed above. Therefore I will ask it again and to prevent Experian from any confusion, narrow this complaint down to just one question. 
Lets make this as simple as possible. 
I want to know and Experian is required to provide me with an answer, did Experian ever block any of the accounts listed above and if so, when did they block those accounts?
Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.
I pa id one of m y debts listed in my credit report by  XXXX   XXXX   XXXX  who is representing  XXXX   XXXX   XXXX  in the settlement amount of {$130.00} on  XX/XX/2017    which would close this account. I had received a letter from   XXXX    listing options to settle and I chose settling in this amount. It is still listed on my TransUnion and  XXXX  credit reports showing I owe a balance of {$130.00}.  XXXX  has a phone number on correspondence mailed to me but I 'm unable to speak to a live representative to settle this matter on my own. Also note that after sending my payment electronically I did n't receive confirmation of any kind nor further correspondence from this company. Your assistance is greatly appreciated to settle this matter with these companies. Thank you.
Bank of America holds my mortgage and I pay into an escrow account for my property taxes and homeowners insurance. My homeowners has now been cancelled for nonpayment, because Bank of America never paid the bills. When contacted B of A says my insurance company never sent a bill and that I can contact my company to send them a bill and it will be paid. However my insurance company will not reinstate my policy. My agent has searched for a new policy, but due to the cancellation can only find insurance in surplus lines which will cost almost {$2000.00} more than my original policy. I have the papers that show B of A was sent a bill along with later cancellation notices. How could Bank of America know to send me notice that my insurance had been cancelled if Bank of America never received anything from my insurance carrier. Plus I have enclosed the original bill that was sent to Bank of America. I want B of A to pay the difference on my homeowners insurance as they caused my dilemma. It is ridiculous to think this company can just say " oh we never got a bill '' and it relieves them of all responsibility. If I tried that with my mortgage payment I highly doubt B of A would just let me pay if and when I got a mortgage bill without repercussion. Bank of America needs to either pay for the surplus insurance line or they need to get my insurance company to reinstate my full policy at my original rate.
I lost my job at the beginning of this month. My bill with Conn 's was due on the XXXX. I do n't have the money. I 've received XXXX phone calls this week. XXXX of them TODAY. I have spoken to XXXX different people in total. I made them aware last week that I could not pay and can not make payment arrangements as I have no guaranteed income at this time. Today I was informed they will continue to call me until I pay them. That there is no limit to how many times a day they can and will call me. This is pure harassment. All this is doing is making an already stressful situation worse and keeping my phone tied up while I 'm trying to look for work.
Included in this complaint are documents to validate the various events that have taken place with Wells Fargo. This has been an ongoing issue since XXXX beginning with Wells Fargo filing an unreleased mortgage that included us in a foreclosure battle that should not have involved us, and has been ongoing and is still ongoing at present. This caused us to accumulate a debt of {$100000.00} for legal representation. In addition, there was d a discrepancy with the legal description of our property. Several modified agreements were rejected because of the discrepancy in the properties legal description although, we purchased title insurance. mortgage payments were returned and refused, We show several full release of mortgage entries with the XXXX XXXX XXXX 's XXXX, also showing that our property has been partially refinanced and we were not the individuals who refinanced it. Our credit report has shown " no-status since XXXX of XXXX which does not reflect any payments we have made on the property. Although we were told by Wells Fargo that we were not in their data base as their customer, they were said holders but could not produce the note. In XXXX, we received documentation from XXXX XXXX XXXX, appearing as mortgage server, showing where mortgage taxes and insurance had been paid into escrow by us. 

Because of the foreclosure process in order to keep from loosing our home were required to pay {$4500.00} up front to bring account current and {$2700.00} per month for approximately 7 months all resulting from an unreleased mortgage that was later replaced by a quiet title, however we were still held accountable to a mortgage note that had been paid. ( copy of release included in submitted documents ). 

We have continuously been in litigation for this same case that has now reached its limits according to the statute of limitation after we have received 3 dismissals of case in our favor. We are now experiencing what is legally described as " malicious prosecution ''. The case was first dismissed in XXXX, XXXX without prejudice, Wells Fargo filed a request to " Open to refile '' in XXXX of XXXX and it was dismissed with prejudice, again in our favor. Wells Fargo filed again on us on the XXXX of XXXX, XXXX, it was again dismissed with prejudice. 

We receive monthly communication from XXXX XXXX XXXX XXXX ( XXXX ) in regards to a Chapter XXXX Bankruptcy, in which we did NOT file. A lien has been placed against our property which prevents us from selling or refinancing our home. I pray that CFPB initiates a full investigation of Wells Fargo 's Mortgage lending practices in addition to their escrow collection practices and foreclosure procedures wrongfully against us that shows Wells Fargo has no right to foreclose according to the SECURITIZATION AUDIT initiated in XXXX, XXXX. We pray exposure, justice and recompense.
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at XXXX Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.