WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the XXXX site and asked for a credit freeze. I could only get one if I  paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. XXXX  had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called XXXX and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with Transunion. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called Transunion, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
Dear Sirs, Two weeks ago you handled a complain between XXXX XXXX and us, you referred with the # XXXX. We do n't agree with the amount of the reimbursement XXXX XXXX sent. Numbers, as per same attachment XXXX XXXX sent, we have : Total amount deposited by us to XXXX XXXX : {$10.00} ( Exhibit # 2 ) XXXX already paid : - XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - XXXX {$38.00} ( Exibit # 6 ) - Settlement amount to pay to XXXX XXXX, {$3200.00} TOTAL DEBT PAID : {$8300.00} The amount to be returned must be {$1900.00} instead of {$880.00} already sent by check. Additional we need to know, having the money available, why you never complete the payment to XXXX XXXX? Is XXXX XXXX responsible If this agreement is no longer valid since payment were not done, if this is the case, how it will be handle since was your lack of dedication following up these accounts and not having done the payments. Besides, we need the agreements you signed with XXXX XXXX XXXX and XXXX. Looking forward your soon reply, Sincerely, XXXX XXXX and XXXX XXXX XXXX
Hello, AARGON Collection Agency is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. Can I have proof of the debt provided and harassment ended? 

Thank you.
XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?
Hi, I applied online for a Chase credit card on XXXX XXXX, 2015, and I received a e-mail with some information regarding about my online application including that they will let me know about the decision of my application through mail in 30 days. 
After two weeks without any news or mail with the status of my application, I decided to call the Chase Bank through the XXXX number, and the mortgage department answer and told me that they need proof of my address so they can have a proof of my address to approve my credit card application, so we agreed that I am going to send them a color copy of my drivers license in a certificate letter through USPS mail. They received the letter on XXXX XXXX, 2015. After I received that day the confirmation receipt from the USPS I called them to ask if they received or need more documents, they do n't let me know if they received or need more documents. They told me that I need to wait that the processing department have to analyze my information so they will let me know. I called them several times last week and they told me that they do n't know in what status are my application, so they will let me know soon. Last day I called them was on XXXX XXXX XXXX in the morning. 
Today Sunday XXXX/XXXX/2015, I called them again to ask about my status, and someone with the name of XXXX told me that he ca n't found my application in the system and he cant provide me information about my application. 
I ask him his last name and if he is a Chase Bank employee from an XXXX company, and he told me that he is an Chase employee but he ca n't gave me his last name. I ask him to talk with a supervisor and he told me that there 's no supervisors to talk, that the only thing that he can do is run again with my Social Security a new application, and I refuse to do that because I applied before for that and my call to Chase was for that reason, and also I told him my credit score is going to be affected, and I paid for sending to them a certified mail with the information they ask for proof of my identity address. 
I ask him again if anyone there in Chase that could help me and said that I am not in the system and I need to apply again. 
Also I never received from them a letter or email with the status of my application. 
Please help me with this. 
Thank you! 
XXXX XXXX
I have been a customer of Chase Bank for many years with a checking/saving account. 
On XX/XX/XXXX my wife entered the United States from XXXX under a XXXX ( XXXX ) XXXX. 
She entered under her maiden name and on XX/XX/XXXX we were married. 
On XX/XX/XXXX at approximately XXXX we arrived at the Chase Bank located at XXXX XXXX XXXX , XXXX , Louisiana XXXX in an effort to open a checking account for my spouse in her married name. 
We had in our possession her passport issued by XXXX and XXXX XXXX issued by the Department of State in her maiden name, a certified copy of our marriage certificate, a photo copy of a letter from the Social Security Administration addressed to my wife in her married name with the location of her residence matching the address I have on file and a photo copy of the social security card we received in the mail at our residence of record. 
We were informed by the bank staff in addition to her passport she needed one of the following documents to open an account which were needed to establish her residence. 
1 ) a bank statement less than 60 days old. 
2 ) U.S. driver 's license/state ID. 
3 ) Employment letter, check, paystub 4 ) Utility bill less than 60 days old. 
We were informed there are no exceptions to these rules. 
I subsequently submitted an email to XXXX XXXX XXXX, with the branch office regarding this matter. 
In the email I submitted to him : 1 ) A copy of her passport in her maiden name. 
2 ) A copy of the XXXX XXXX issued by the DOS in her maiden name. 
3 ) A copy of the letter from the Social Security Office addressed to her in her married name and to our address on record. 
4 ) A copy of her social security card issued in her married name that we received by mail at our address of record. 
5 ) A copy of Insurance information addressed to me and her with her married name with the address we have on record. 
She has subsequently received three additional letters from the XXXX addressed to her in her married name with the address we have on file with the bank. 
I also spoke with him several times but he stated he was an unable to address the issue and she needed some additional form of ID in order to open an account. He was always polite and agreed she was in fact who she identified herself as and where she lived. 
We have established with the evidence produced that which any reasonable person, any person for that matter would agree that she is in fact the person she identified herself as and she resides at the address that was provided to the bank. 
The bank has in place a policy which has no exceptions and when evidence is produced that clearly identifies a person and establishes where they live and there is no nefarious undertaking in play an exception should be made and an account should be allowed. 
Do due to the nature of this complaint and the initial instructions given I am not submitting any supporting information which contains names, account numbers and social security numbers. 
If necessary documentation can be provided to verify the above information at a later date.
On XX/XX/XXXX, I called XXXX credit cards at XXXX XXXX XXXX XXXX and spoke to " XXXX '' to cancel my XXXX father 's credit card account. He advised me that the account was canceled and if I had any questions, to call XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received XXXX NEW XXXX credit cards on the same account, XXXX in my XXXX father 's name, and XXXX in the name of my XXXX mother. On XX/XX/XXXX, I called customer service XXXX XXXX XXXX XXXX and spoke with `` XXXX '', giving him my mother and father 's dates of death and my father 's Social Security number ( AGAIN ) as well as my name and address and advised him to close the account as both parties on the account are XXXX. " XXXX '' advised me that the account was closed effective immediately, and that a written confirmation would be sent to me at my address. 
On XX/XX/XXXX, I received a letter addressed to my XXXX father at my address from Synchrony Bank stating in part that they had " ... recently received a letter that was unclear regarding the desire to close [ the ] account '' and requesting my XXXX father to " ... confirm your desire to close your account by calling the toll free number listed below. '' The number given was the same number I had ALREADY CALLED XXXX. 
On XXXX, I called that number and spoke to " XXXX ''. I told him I wanted to make absolutely sure the account was CLOSED. He advised me the account was closed and told me to simply " ignore the letter ''. Then he told me I could call XXXX XXXX and speak to the " XXXX '' to try to resolve the matter. 
On XX/XX/XXXX, I sent the Synchrony Bank Customer Service Department a letter detailing the fact that I had already called and had quite unambiguously stated that the account should be CLOSED due to XXXX of the account holders -- BOTH OF THEM -- and that my XXXX father HAD NEVER WRITTEN THEM A LETTER AS THEY CLAIMED IN THEIR CORRESPONDENCE. I also requested written confirmation that the account was, in fact CLOSED. To date, I have received NO RESPONSE WHATSOEVER from their Customer Service Department.
I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue. 

Thank XXXX XXXX XXXX XXXX
Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment.
My student loan with the XXXX XXXX XXXX was paid off in full in 2017. In XXXX of this year my student loan appeared on my XXXX credit report as having a balance of {$180.00}. I had already received refund checks for over payment of this loan so there definitely was not a balance remaining. I contacted the XXXX XXXX   XXXX to correct the problem. They told me they would correct it and the correction would reflect the next time it is reported to the credit bureaus. It was not corrected. I contacted them again along with disputing the error with the credit bureau. XXXX turned around and removed the acct all together which took care of that issue with that one credit bureau. However it was now being reported incorrectly with Experian. I reached out and again I was told they would correct the problem so the acct would reflect correctly in haven been paid in full. This was now the month of XXXX. In correcting the error an additional error was made. Instead of back dating the correction so the changes appeared during the period in which the acct was open the date of the activity was dated for this year which made my paid in full close acct show a missed/late payment in XXXX of this year. How can I miss a payment of a loan that is clearly paid in full? I have disputed this problem multiple times. I have sent emails, made calls, placed disputes on the acct and for 3 months now i have been stuck in limbo trying to secure a home loan and can't because of someone else 's error. I have been able to access my acct acct history for the government loan website and the error is clearly stated in the dating of activity on the acct. I have just received notification that my last dispute as been resolved and the changes reflected after the dispute are no changes. Everything is exactly as it was before my dispute.
XXXX Issues with different schools. 
1. XXXX University did not apply unused funds to loans. I 've submitted forebarance forms and request for discharge because my son ( I 'm a single parent ) is permantly XXXX, he has XXXX. I did not qualify for government assistance then nor now, so my income has been limited. Despite obtaining a XXXX in XXXX, I was told by many employers that XXXX was not a recognized university, they were unable to verify my attendace at the school. I 've made payments despite this, not always on time due to ongoing medical issues. I 've had to stop due to XXXX and XXXX for my son. 

2. University XXXX XXXX enrolled me in a course/program that had nothing to do with finance, it was XXXX program. I requested XXXX XXXX, I tried to withdraw several times but was unable to. I spent XXXX years obtaining a degree in a program I have no experience or knowledge about. I do n't have any paperwork from them where I acknowledge my acceptance of the program. 
3. I received a letter from Great Lakes of XXXX XXXX stating that " debtor is hereby cancelled and released. From and after the date of this release, the employer is no longer required to withhold income from debtor 's pay. '' Release date was XX/XX/XXXX. On XX/XX/XXXX Great Lakes sent another request to garnish my wages. Said they never sent above release, when I called on XX/XX/XXXX. When I called again on XX/XX/XXXX I was told a different story in that the release letter is actually a confirmation of an address change '' I had my HR department call, and she was told the same excuse. Great Lakes has sent all correspondence to my employer despite me giving them a correct address.
I have received a loan for XXXX associate with red rock tribal leading for {$600.00}. I told them over the phone I agree the pay {$750.00} total with the interest included. I already pay two payment one for ( XXXX ) and other for ( XXXX ). which is a total for ( XXXX ) so far. The payment comes out of my account BI-weekly. I was misleading information fees and total repayment amounts. I found out that I have to pay 5 payment for ( XXXX ) for the interest charge on the loan before I start to pay on the principle on my loan. I would be paying XXXX total on a {$600.00} loan which I never agree to. The customer service was difficult to receive help from them. I feel like this is a SCAM and they can not answer my questions and they are very difficult to talk to over that phone. they never stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.
XXXX Card is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXX Card, XXXX, XXXX and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XX/XX/XXXX, Experian and XX/XX/XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX Card, XXXX, XXXX and Experian. 

My credit history should report the payment being charged off in XXXX of XXXX, not XX/XX/XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
You are hereby under provisions of Public Laws 95-109 and 99-361,  also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
XXXX   XXXX  I wanted to explain our circumstances in this situation. My husband had a   XXXX   XXXX   XXXX   and we missed  one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called  one day  saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the  3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the  three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC  lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney,  XXXX   XXXX  had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal.  PNC just passed up the appeal process. PNC  's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to  XXXX . Our lawyer addressed this to  XXXX   XXXX  the different dates. However all these lies did n't matter to her.  PNC  is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house  XXXX / XXXX / XXXX . We won the first judgement and  PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  Case #  XXXX  won judgement  XXXX   XXXX  new  one PNC  still does n't have the legal right to foreclose but Judge  XXXX   XXXX  is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us
I purchased an option from XXXX back on XXXX XXXX, XXXX for XXXX btc using my coinbase wallet. 3 hours later I won my option and funds and earnings were returned to coinbase three hours later and documented by the bitcoin blockchain. I never recieved a credit to my account for XXXX btc and from my research of the blockchain can see my money was sent from coinbase into some coin tubbler service. I have reached out once last year and never recieved a follow up from the coinbase research team. I contacted them again yesterday XXXX/XXXX/XXXX asking for my money to be returned. I have still not recieved a reply so I 'm seeking your assistance.
I have 2 inquiries that are on my report that supposed to have fallen off but are still reporting.
I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!