WillisBack/dataset-financial-user-claim huggingface dataset:
I have been contacted by mail from XXXX representing National Collegiate Student Loan Trust on XX/XX/XXXX. They are asking for balances of {$26000.00}. This is the same company that tried to collect from us back in XX/XX/XXXX. These are loans obtained while attending school. Not student loans. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. According to a letter sent to us and a phone conversation from XXXX XXXX regarding these loans I nor my husband XXXX XXXX owe anything to NCSLT.
Received paperwork in mail on XX/X/2017 for an auto loan that was taken out in my name for {$7500.00} through a finance company that I had financed a vehicle through four years ago, and paid off the loan. Loan has been paid off for at least two years. This loan is for a XXXX XXXX, and was taken out last month. I can not reach the finance company ( XXXX XXXX XXXX ) and when I am trying to put a fraud alert on equifax credit reporting account, they are asking me to verify my identity. The problem with this is that they are using questions about the fraudulent auto loan to verify my identity! I have currently put fraud alerts on XXXX and XXXX, but am unable to do this with equifax. They want me to send hard copies of my id and social security cards to verify my identity, which is ironic due to the fact that it appears that my information has been stolen after a MASSIVE data breech with their company. I refuse to send hard copies to this company, but need fraud alert put on my account.
I am trying to open an American Express Serve prepaid account ( XXXX ). After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take XXXX hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. Trying to understand why this newly applied-for account was suspended was more challenging as it was difficult to communicate verbally with any of the XXXX representatives. All XXXX were based in the XXXX or XXXX XXXX and spoke with heavily XXXX XXXX, prompting us to frequently have to repeat ourselves and speak slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid power and the line disconnected. The second time I requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member XXXX. 

I 'm not sure what is more bewildering, having my account suspended before I have had an opportunity to open/use it, or the ineptness of the customer service agents. 

I 'm simply looking to open an American Express Serve account to do some XXXX shopping.
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Every month they never update the credit report they report two different amounts for each credit bureau and they never report the amount paid by me each month I always pay a extra XXXX bucks they never report that on my credit and the balance says one thing on the app that I make payments on them what they are reporting to the bureaus I owe XXXX and thats not whats being reported to them Ive called and they tell me it will be updated never do it XXXX XXXX Wi,
Wells Fargo Bank keeps denying me a checking account for no reason. I have had a checking account with them once for 2 weeks which they have closed with no explanation. I have tried to apply and open a new account with them however they keep refusing it with no clear explanation.
I deposited a check on the BofA App as they recommend you do. I checked and my account was given credit for the money. The statement on the deposit said it would be available the next day. BofA then took the money out of my account and said they were going to hold it. Part of it for 2 days and part of it for 7. When I called them and talked to a supervisor they said that I was too risky and they changed their minds. I asked them to cancel the transaction and I would go get cash or certified funds. They refused. I know my agreement with them says they can hold funds up to 5 days. I have several accounts with the same agreement but they do not hold the funds of the same amount. They said the could not do anything about it which is not true because a decade ago I had funds held and they waived the requirement and gave me access to the funds. They claimed that they recently change the rules but I did not agree to a change and was not notified. I know it is a technicality but they put the funds in my account and told me it would be available the next day then they changed their minds. I am familiar with Check XXXX which is the processing of payment electronically through the Federal Reserve. They got my money from the check the next day. Since they told me it would be available the next day I consider that an agreement. They changed their minds but they would not allow me to change mine and cancel the deposit. This is not fair and is an abuse of power. Once they have the money in their bank, they should have to give me credit for it. I have been with BofA for 30 years. I have credit scores of 750 to over 800 depending on the bureau. They said I am a risk but they never looked at me. Their holding my money when they have it has damaged me as I made promises to pay that now I can not keep. If I take their money they make me pay fees and interest. If they take my money they should have to do the same at the maximum rate they charge me. This is not big enough obviously to sue them and they told me they do it to a lot of people. The only way this is going to get fixed is if the CFPB makes them stop.
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.
On XX/XX/2018 my wife received a phone call from a company claiming to be XXXX XXXX XXXX ( XXXX XXXX on the caller ID ), they said our I-tunes account had been hacked and that we were facing the potential loss of {$10000.00}, but that they could help stop this hack if we gave them access/control of our computer and purchased XXXX XXXX  cards. The caller claimed that if my wife gave them the numbers on the XXXX XXXX cards they could track the supposed hackers. They said they would not use the XXXX XXXX card numbers but would only use the card numbers to stop the hack and then my wife could return the cards to the store for a full refund. They sent my wife an e-mail and she followed a link to give them control of our computer. They stayed on the phone with my wife while she drove to town and purchased 2 XXXX XXXX cards at {$500.00} increments ( {$1000.00} total ) using our Wells Fargo Debit card at the local XXXX. She gave the person on the call the card numbers. They said this reduced our financial exposure down to {$7500.00} but that we needed to get more XXXX XXXX cards to stop the hacker. The person on the phone told my wife to go to a different grocery store where she purchased 3 more XXXX XXXX cards at {$500.00} increments ( {$1500.00} for all 3 ) using our credit card. At this point the credit card company called my wife to determine if this charge was legitimate, she realized that she was being scammed and the credit card company was able to immediately reverse the charges. She then hung up on the caller who was scamming her and she verified that they had drained the funds from the XXXX XXXX cards. When she got home she called Wells Fargo immediately and reported that she had been scammed and that they began their investigation but told her on the phone that it was doubtful that the money could be returned because of the circumstances. On XX/XX/XXXX we received a letter from Wells Fargo informing us that they would not reimburse the money since the transactions were correctly charged to our account. We reached out to our representative at XXXX XXXX  to ask what can be done to resolve the impasse with Wells Fargo, they recommended that we submit a claim to the CFPB to see if you can help us negotiate with Wells Fargo.
I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10  years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me. 

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Someone was able to hack into my Kohl 's charge account and change the shipping address. They then used XXXX different old credit cards to charge XXXX items and have them shipped to the bogus address during the month of XXXX 2016. When I received the bill I immediately called Kohl 's. Kohl 's is currently working on the fraud case however I feel the practice of Kohl 's not deactivating the old card when a new XXXX is sent sets up the consumer for fraud. I was told to either not activate the new card or call and cancel the old card. The only thing that changes is the last XXXX numbers it is still the same account. I had them close every thing and they are supposed to send a new card. They also said they would not report anything to the credit bureau until the investigation was complete which could take up to 60 days. Kohl 's is aware that there is a Kohl 's Cash scam going on and they continue to keep old cards active. I also never received an email that my email and shipping address were changed on my account. This is unacceptable.
I opened a new savings account with Ally Bank on XX/XX/2017. I applied online, this was my first transaction with Ally Bank. During the setup, to fund the new savings account, Ally Bank asked for my " other bank '' information, specifically the login ID and passcode to my other bank account with a credit union where the moneys were to be transferred from. Ally Bank also asked for the answer to my security question on record with the other bank. I provided that information to Ally Bank. I would like to find out : is it appropriate for Ally Bank to ask for my other bank login ID, passcode and security question answer as part of setting up a new savings account with them? I also would like to find out if this new savings account is legitimate. I am concerned that perhaps it was not Ally Bank I provided my other bank information to but a fraudulent entity. I believe I have a savings account with Ally Bank, Routing / ABA Number : XXXX, Account Number : XXXX, it was funded with a {$30000.00} transfer from my credit union checking account. The current balance is {$30000.00} with a {$2000.00} transfer in pending. Is this a legitimate Ally Bank savings account? Thank You!
Account Resolution Services is not treating me fairly and is breaking the law. I am a victim of identity theft ; my reference number with the FTC is XXXX, and this company is demanding payment for deletion even though the debt was a product of fraud. They are calling me harrasing me in fact after I demanded they cease all contact with me. I want them to remove their collections from XXXX and XXXX. They never sent me a bill or letter before the collection was reported to the CRA 'S and they know that but still demand payment for deletion. Also when I disputed the collection with XXXX they did not ceace collection attempts and reporting to the CRA 's. They will not stop harrasing me. Please help me
I have had a CHASE card since XXXX. The account was closed years ago and a payment plan was set up. The payments are automatically taken form my bank account every month. 
After several years, I need to reduce the amount taken due to financial hardship. 
Every month the new reduced amount is taken. This has affected my credit score dramatically. Suddenly, my score dropped and the CHASE card is stating I defaulted on payments. 
This is unacceptable given that I pay every month. 
Additionally, They state that a " cash advance '' was taken on this card and can not tell me the amount, in XX/XX/XXXX! This is the reason they gave for putting my card into a default status. 
I have never taken a cash advance on any card. 
I have asked for details and an investigation is open with CHASE. This negative reporting has caused incredible hardship for my personal and business life. 
I need help to resolve this. 
Thank you
Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
My Capital One bill was due XXXX XXXX, 2015. I noticed it was due XXXX XXXX in the morning and when I logged on to pay I was already charged a {$19.00} late fee.. It had n't even been XXXX hours. They do this to me all the time and I do n't think it is fair.
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX XXXX XXXX  When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the XXXX XXXX XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense.
XXXX XXXX has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, Experian and XXXX approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX  plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of filke ''. How are these inquiries factual when I the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.