WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.
On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.
Tried to open new checking and savings. Was denied and the referenced the security freeze I have with XXXX  and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.
I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX  school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX  school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX   school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old.  She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job.
One XXXX XXXX, 2017, I had an account balance of beginning balance of {$220.00}. An ATM withdrawal for ( {$100.00} + {$2.00} fee = {$100.00} ) was debited to my account. That left a balance of {$120.00}, which Capital One ( Bank ) debited an ACH charge for {$71.00}, leaving a balance of {$49.00}. The issue I have is with the following two debits. The Bank then debited a {$75.00} ACH charge from the account ( {$49.00} - {$75.00} = [ $ XXXX ], resulting in a {$35.00} fee. Then the Bank applied a check for {$30.00}  against the negative amount to incur another {$35.00} fee. Had the Bank applied the check for {$30.00} first, it would not be able to collect two OD fees. ( e.g. {$49.00} - {$30.00} = {$19.00}, no NSF/OD fee ).
The Dodd-Frank Act makes it unlawful for any covered person or service provider to engage in an abusive act or practice. An abusive act or practice ... Takes unreasonable advantage of ... the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Here, I reasonably relied on my Bank, to act in my interest and try to reduce the amount of charges incurred on my account when it was reasonable to do so. By not applying the {$30.00} check before applying the {$75.00} ACH charge, the bank caused me to pay {$35.00} or a {$30.00} check. I believe this to be an abuse act or practice as defined by the Dodd-Frank Act.
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent a letter in reference to multiple collection accounts I had found from them on my XXXX Credit Report. I asked for verification and validation. I received a letter from them dated XX/XX/XXXX which  included simply a list of all of the supposed debts that they were attempting to collect on. They never provided documentation from the original creditor or anything at all that had my signature on it. They provided nothing to me that proved they have a legal right to collect this debt. It is not enough for to simply send you a printout of the amount owed. In fact, shortly after their response letter to me on XX/XX/XXXX, they began listing these supposed debts on my XXXX Credit Report. They were never listed on my XXXX Report at all prior to this time, and most of these supposed debts show open dates three or more years ago. It would appear to me that after my request for validation/verification that they not only did provide to me the required documentation but also retaliated by adding the supposed debts to another credit bureau report. Since XXXX XXXX XXXX has not provided any of the requested documentation to me, I insist that all of these account be deleted from my XXXX, XXXX and XXXX  reports immediately.
I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! Thank you.
This is regarding Equifax 's security breach - I 've had to place a freeze on my accounts, close accounts, and change all my passwords and security questions. I 've already had suspicious activity on a website where someone obtained my information and placed a XXXX dollar order on my card.
I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card
XX/XX/2016, I went on XXXX due to a lower back injury I suffered on the Job. 
I started receiving social security XXXX benefits. Due the hardship of my financial situation, I request a mortgage modification. Quicken loans, put me through a trial period of payments, ( Which I completed ) Then Quicken loans ask me when will I be ready to sign the NEW mortgage modification documents. I stated to quicken loans that my ex-wife and I are no longer together and we are in the process of a divorce. However, Quicken loans persisted that my ex-wife needed to sign the new mortgage modification. 
I explain to quicken loans that my ex-wife is in XXXX, MA and it will take some time to locate her. When I was able to locate her ; I had her sign the quitclaim forms. This quit claim forms was drafted by my attorney. ( Please see scan 1 ) Once the quitclaim was filed with XXXX county register office and accepted. I forward a copy to Quicken Loans. Now Quicken Loans is stating that proper wording was not used in the form. ( Please see scan 2 ) Then Quicken loans forward me an email showing the wording they want on the quick claim. Then my attorney cut and pasted the exact wording they wanted. ( Please see scan 3 ) Then I forward them the new quitclaim with their wording, just to make sure before I go crazy again looking for my ex-wife in XXXX, MA. Then today XX/XX/2016 they state, that the wording is still incorrect. I 'm filing a complaint because it looks like quicken loans is trying to set me up for a foreclosure on my property. Plus my ex-wife name was not on the deed and she is not on the title of my home, however they still want her to sign.
I have never had an account open with this company. I have told them and disputed this before. I will not just give my money away especially for a debt that I did not consume I have disputed this already and received no help. Please help me in resolving this debt as it is not mine to pay for.
I have been denied by ChexSystems multiple times in the last 2 years as I have tried to establish a bank account in my new state. I have never had this problem with any effort to establish a new bank account before. I have fine credit ratings and no red flags. The reason given is that my SS number was available for issuance before my birth date. However, the SS agency can only verify my SS status by providing evidence through my SS card. I went through the trouble of getting a new Social Security card to prove that my SS # has no problems, but there is no medium through which I can submit this to ChexSystems to dispute the denial. 

I have never had a problem with establishing new bank accounts or financial institutions in any way before - ChexSystems has incorrect information and internal errors ( obviously not based on any concerns at the SS office or any previous bank ) that have cost me many many hours of my time trying to rectify this information. 

ChexSystems has no customer service options - no person to talk to through their phone number, no chat, and no email to write. Fax is completely insufficient in this day and age. 

ChexSystems has also established some sort of monopoly with all banks, and so I have no options to avoid their erroneous information and claims by pursuing another service provider.
There is an alias on my credit report that I have never used. Someone had used my SSN to rent an apartment and then did not pay. The default went on my credit report back around 1990 or so and I had to contact an attorney to remove it since I was purchasing a house. I know see the alias is still on my credit reports.
I have been caught by a scam buyer. He bought my electronics and I shipped in from XXXX which he had to pay XXXX but never got paid. We shipped it to an address in XXXX XXXX XXXX under the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, this is the tracking number. XXXX The buyer email is XXXX and the fake pay pal email address is XXXX. They threathen us to pay XXXX in order to withdraw and i did paid to a bank in XXXX and i hope you can also contact XXXX XXXX in XXXX as well. I have found someone in different state also sold an phone to same address. I am suppose to be paid XXXX and the other person is XXXX XXXX. I have contacted police authorities but they said they need an lawyer. 
Also I been charged couple of times to a bank name in XXXX. 
Nama. XXXX XXXX XXXX Account Number. XXXX Bank Name. XXXXXXXX XXXX Bnak Status. Savings Account Zip Code. XXXX City. XXXX Phone Number. XXXX Country. XXXX from XXXX XXXX  XXXX XXXX no XXXX XXXX XXXX I have an someone who helped me investigate the address and the person for free and they need a attorney for further arrests and get my money back. I have the contact info. I hope you can help me out. I will pay you after i can get my money, and I want to get my money. WE just need someone to write an agree form XXXX
XX/XX/XXXX XXXX  XXXX or SEED Consulting as it comes up on my credit card was at a convention in XXXX XXXX for XXXX XXXX XXXX  Mastery  Marketing Event. I attended because I already had invested our insurance policy/ money into this company. ( XXXX XXXX is now under investigation by FTC-XX/XX/XXXX ) I lay awake at night wondering how to pay off all this debt I have got myself into. I'mXXXX this was supposed to be a retirement plan, not a work forever plan. Going thru my tax info recently, I have realized if I had not got involved with XXXX XXXX XXXX I would not have the problems I have now. 
They actually helped me secure the cards/credit I put the " all in '' amounts to XXXX XXXX on. They ( XXXX @ XXXX ) made it seem so easy. I can still see him handing me the pen to sign up for their services. " XXXX is no problem for XXXX members, Many of them make way more than that '' ... I would have a year to get them paid, but a few months I should be seeing income. I was instructed to go along with my " projected income '' if any of the card companys call to verify my income .... $ XXXX more annual income than I make. I wish they were all like XXXX XXXX who declined the application because they found out it was third party application. That it was done for me. They actually called me. All the others were done the same, but XXXX was the only one who called me. ( kudos to them ) My credit Limits were high, at zero % interest. Only problem is XXXX XXXX is fraudulent. XXXX XXXX  was there for XXXX XXXX. They were ready secure credit for people to go all in and join XXXX. Now I am broke ( and can't afford the interest on these " great '' cards. I don't know what to do. I am trying to dispute all the XXXX charges but have only heard back from one card company. XXXX XXXX has reversed their charges. Thank XXXX.But that is only a fourth. If I could get a credit slip, XXXX XXXX would reverse XXXX   XXXX but they said it was more of a legal case. I got the service, just because it was deceptive wasn't their call. 
XXXX XXXX and XXXX XXXX ( XXXX XXXX ) have not even acknowledged my {$9600.00} each in dispute from XX/XX/XXXX paid to XXXX XXXX or XXXX XXXX ( XXXX ) Again thank you XXXX XXXX, your are # 1 There is alot of marketing expenses still on these other cards, following " the Plan '' I will never recover except as a hard lesson.
XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2017  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Our family was part of a trial payment program to qualify for a loan modification with Freedom Mortgage the company. During the trial period until the final approval and modification of the loan we made all proper payments on time. We have been referred to the credit bureaus as late payments for the entire trial and approval process. This issue has damage my credit score to the lowest point. Freedom Mortgage did not inform me at any time that this entire process will be reported as being a late payor. I have called several times to get this disputed and I am always being told that it will be under review with no solution. Can your team help us clear this issue
My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.
My XXXX account was closed XX/XX/XXXX ( see attachments ) and XXXX had no authority to charge anything to my credit card. In fact they memorialized the fact that it was closed in the email attached. 
Regardless US Bank allowed them to make XXXX charges without my consent and refused to investigate my request to charge them back XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They never should of allowed these items to be charged to my account and want the monies refunded.
I have a rooms to go credit card with TD Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee.
I have owe XXXX on my XXXX XXXX, have messaged them and called them and getting no ware. My credit has dropped from XXXX down to XXXX. I have been making payments early each month and suddenly my credit score dropped and they are telling me I am not paying the full amount each month. I am requesting to have this interest rates lowered and the fees taking off immediately. I am not at all happy, struggling financially, in low income housing, had to apply for medical assistance and food stamps. I pay my bills all early and now XXXX messed up my credit score. I am not happy at all with them and need to speak to someone on this issue please.
I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.