WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. 

I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. 

XXXX XXXX
I received a letter from XXXX XXXX XXXX XXXX XXXX stating that owed a bill from XXXX XXXX for {$1200.00} from an account billed to the same name that I have with an address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA. I wrote to them on XX/XX/XXXX, informing them this was not my account. They had mailed the bill to my vacation home in XXXX, CA. I gave them my home address in XXXX XXXX. Recently I received another letter from them at my vacation home in XXXX, and for the first time gave me the address of the debtor in XXXX, GA. I have never resided outside of the State of California, and the only time I was in XXXX was to switch planes in XX/XX/XXXX, and have never been outside the airport. Either someone is purporting to be me, or this is an attempt to collect an uncollectible debt, as it was charged off in XX/XX/XXXX, and the statute of limitations in California is 4 years.
Equifax was criminally negligent in protecting my personal identifying information, which was exposed during the recently announced security breach affecting 143 million consumers. This has the potential to cause irreparable harm to my credit, along with hundreds of millions of others. There is no way to guarantee that this information will not be used in future cases of identity theft, which will thus require strict life-long credit monitoring for fraudulent activity at my own expense. The damage that can occur if I am the victim of identity theft due to this data breach is enormous, and the consequences devastating.
On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.
I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.
I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.
After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce this?
My uncle asked me if I could do him a favor and deposit his {$1000.00} income tax check which he signed but was not able to deposit into his account before going to the XXXX XXXX. On XX/XX/18, I deposited his signed check into my account at a Chase ATM. After depositing the check I went to a XXXX XXXX to send him {$300.00} which he had asked for. The following day I tried to withdraw money from a Chase ATM and got an error message. I went and spoke with a teller who said I had to call customer service. I called and they informed me that my account was frozen due to the check that was deposited. They said I had to come in with my uncle to the branch which I about a week and a half afterwards when he came back from the XXXX XXXX. At the branch they verified everything and told me that they would give me a check for the {$1000.00} which I was to give to my uncle. I then asked if I could open another account since mine was closed and they said yes and I was able to open it that same day. Days later that new account which they had opened for me was closed as well. When I called Chase they did not give me any information as to why this account was closed.
Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a   Bankruptcy in I do not have a Tax Lien or Bankruptcy.
( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.     Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankrup tcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name-  XXXX  ,  XXXX  , Experian ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research.      Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX
Ally Financial IncXXXX provided me a loan for a XXXX XXXX XXXX. In XXXX me and the company agreed on a XXXX XXXX XXXX XXXX. I had 10 days to pay {$190.00} to finalize this agreement which expired on XX/XX/XXXX. I paid the balance on XX/XX/XXXX. In the agreement it states, " all remaining scheduled payments have been extended by 60 days. The next scheduled payment would be XX/XX/XXXX for {$200.00}. 

After receiving 5 phone calls from their debt collection department on XX/XX/XXXX which start at XXXX - XXXX. I received a phone call the day after XXXX at XXXX, I told the representative that I had already agreed to a payment plan and I had until the XXXX to pay it. I was told that the agreement was closed by the representative. Then I was told that I could go ahead and make the payment but the extension department would have to re-evaluate the extension and get back with me in three days. 

When I talk with different representatives documentation is n't taken properly and the communication is extremely poor. I had until the XXXX to pay the remaining balance but the collection office closed my extension agreement prior to the XXXX.
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.
I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.
individual keeps calling my work number telling my co-worker that a warrant for my arrest has been issued.
After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.
On XXXX XXXX, XXXX, Equifax added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XXXX/XXXX/XXXX and the loan officer informed me. The only information provided to the officer in their report was the claimed collection amount. The collection account did not include a collection agency name, it literally says N/A, it did not include contact information or any information regarding the account. Equifax made no attempt to validate the collection or collection agency information prior to adding it to my credit report. When I contacted Equifax, I was informed that my personal data was compromised in the XXXX XXXX data breach. The customer service representative I spoke to " strongly encouraged '' purchasing additional security monitoring from Equifax to avoid future fraudulent activity. When I declined, the representative informed me that there had been no validation attempts by Equifax, that it was most likely the result of the breach, but that nothing could be done and the collection would remain on my credit report for 7 years even if paid off. I informed the representative that I had attempted to request a credit report online and the system refused to allow me access to review the account for other signs of fraud. I also informed the representative that I had filed a dispute on XXXX/XXXX/XXXX and my credit report was not reflecting that the item was in dispute. The representative provided me with a confirmation number and informed me that I would possibly have a response in 30 days. I have attempted to check status on the dispute using the provided confirmation number and can not find any information on it. My loan officer advised me that my current credit report does not reflect said dispute. The collection agency information provided by Equifax does not include a phone number to request more information. The collection is a scam.
On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address
I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB.
My husband and I are the only borrowers on the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, PA. We received several notifications today, XX/XX/XXXX that a new item has been reported on our credit. When he went into XXXX XXXX to find out what the new item was he found out the Nationstar Mortgage had tagged our home loan with a XX/XX/XXXX Bankruptcy filing from his parents who do not own, have never owned or been associated with the mortgage on the above property. Our credit scores immediately plunged about XXXX plus points with the derogatory remark as it is called. When he called the mortgage company they were told by Nationstar that the bankruptcy was for XXXX and XXXX. They live with us because they are XXXX however, they are not on the mortgage and have never been associated with the mortgage of this property. Based on that one negligent move by Nationstar we have had to do everything to notify the various credit agencies and CFPB because in one unjustified key stroke they devastated our credit that we have worked extremely hard to get back. This is the second time that Nationstar has done this to us and they do not have any repercussions we the borrowers end up enduring all the burden in making sure that everything is corrected and our credit restored to the way it was previous to this negligent act. Nationstar mortgage needs to have better practices and people in place to perform their duties. I want them to be held accountable for everything that they did and to make sure that everything and every credit bureau is notified of the wrong doing and that this needs to be removed and everything restored to the way it was prior to their negligent act. I am also going to notify each of the credit agencies however, I would like something in writing from Nationstar accepting responsibility for this wrong doing and requesting that all credit reporting agencies remove that derrogatory remark that was added on XXXX and restore our credit to the way it was before the remark was added. Please feel free to contact me at home XXXX or on my cell phone at XXXX. Thank you and have a nice day. XXXX XXXX
My social security check has been garnished without any notice or allowing a chance to disputed. When I call frequently to ask about the debt I am told that is not the name on the debt. They are literally taking food out of my mouth without any remedy. This is very abusive and I do not understand how this can happen. Ive been a frequent victim of identify theft and when I try to explain that to them it falls on deaf ears. This is the US government doing this! I do not have any documentation for this but they still take my money every single month. I have requested information but was refused. This is a violation of my rights.
Hello Dear CFPB I am writing to bring to your attention and complaint about US BANK credit Card Application process. 

I applied to US Bank Signature Rewards Card on XX/XX/2019 and received letter after couple days date XX/XX/2019 which is informing me to call because they wanted to speak with me to verify application. They asked me to call within 10 business days. 

I called on XX/XX/2019 which is not 10 business days and spoke with Supervisor XXXX employee ID # XXXX XXXX and he informed me that my application was turned down because they could not call me and speak with me, but then again i have not receive any phone calls or voice mail and plus in the letter its asking me to call to verify within 10 business days which is condition to establish account for me. why would they send me letter to call them if they already turned down my application. I am extremely not satisfied with this process and with very rude Supervisor XXXX. I will attache this letter please review. I called within 10 business days which was condition to establish account for me it's just perfectly clear. .Please reopen this application and make fair decision also please train your supervisors to be able to read and understand what simple letter says. Very biased company in my opinion
We believe someone is trying to use our daughter 's social security number. She is XXXX XXXX XXXX. 
On Monday, XX/XX/2018, we tried to open a savings account for our daughter at Oregon XXXX XXXX XXXX. They used her social security number to look up credit history and found that someone attempted to open an account using her social security number at another bank. They would not give us any detailed information about the bank or the individual. 
When I called the credit reporting agencies, they directed me to a website where I could request her credit report, but because she is under 18, I could not request the report online. I also could not place any fraud alert on her account, because she is under 18. 
I am not sure what further steps to take to protect her identity.
I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. 

Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. 

On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. 

Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.