WillisBack/dataset-financial-user-claim huggingface dataset:
Phoenix Financial Serv has placed an account on my credit report showing opening date of XX/XX/2018. Never heard of this company nor have I received any written notice in mail to dispute which is a requirement per law. Now that it is tax time, it has magically appeared on my credit without any notice violating my rights as a consumer. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is also a requirement to collect on a debt in state of Tennessee. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail but the credit agency is showing reported XX/XX/XXXX, so over 2 mths. I would like this removed from my file once and cease and desist also. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice, I have already sent this information to state of Tennessee for illegal collection activity in the state.
This care credit acct opened in XXXX was supposed to come off my report XX/XX/XXXX. I tried to resolve this issue and they kept it on.
This Visa credit card which was used for XXXX transactions, had two fraudulent charges appear, one from XXXX XXXX for {$1100.00} and the other from XXXX XXXX for {$22.00} on the same day XX/XX/2018. I knew I didn't do these transactions because this is the card I only use at XXXX ( I use a MasterCard which gets mileage points for Non-XXXX transactions ) I wouldn't ever in my life go to a XXXX XXXX and spend over a thousand dollars and I don't know how anyone could spend that much money at a XXXX XXXX without XXXX XXXX   requesting a copy of an ID, it seems like there should be a threshold where they should check for ID for unusually high transactions over {$1000.00}! Also, I wouldn't have gone to XXXX XXXX because I don't drink coffee, ever. 

I reported the transactions as fraudulent to Citi but they shockingly denied my claim because they said the card was, " protected with an embedded EMV chip and was used at a chip enabled card reader. '' I don't know if it's related or not, but there were two duplicate cards which Citi mailed on separate days. I only received one of them. I suggested perhaps it was this other card which was used, but they claim that argument doesn't work because they say the card which was used for the fraudulent transactions was the same card I used for non fraudulent transactions which occurred sometime later, so they say the charges aren't fraud because of that. I am positive the transactions are fraudulent, but I didn't know how to prove it since I am not an expert in this area. 

After my repeatedly insisting that the charges were fraudulent and there must be a way I can get Citi to reverse their decision, I was told that I could just get a police report case number to them and if the police can confirm I was not the person who performed the transactions, it would result in Citi deciding in my favor. I got the police to do an investigation and I sent Citi the police case number and an email from the investigating officer confirming the suspect on the surveillance camera footage was not me, but didn't get a follow up from Citi after that. I tried to call Citi on several occasions to get the case decided in my favor since I provided the police case number, but they won't give me an update. Today I called Citi again to try to get an update and was told they refuse to take phone calls from me in the security department and all other correspondence must be in writing about this matter. I told them that is ridiculous and I gave them the case number as they asked for so this should be resolved now. I also sent Citi a copy of the actual police report which proves it wasn't me who made the transactions. 

I have attached the ( 1 ) police report confirming the suspect who used the card fraudulently was not me, ( 2 ) the  credit card statement which has the two fraudulent transactions circled, and ( 3 ) the denial letter Citi saying they are denying my fraud claim. 

Thank you
Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$4000.00}.
They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.
On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.
Hello, My complaint is in regards to scare tactics from a loan officer at Evesham Mortgage ( XXXX XXXX ). I recently closed on my XXXX XXXX Homestyle loan on XX/XX/2018. The day my wife and I closed, we were informed by the title agency that it was sold to XXXX XXXX XXXX. Since the construction has been completed XX/XX/XXXX and my first payment was made XX/XX/XXXX, I decided to refinance to a lower rate. My current rate on my Homestyle loan was a 5.25 % and I was offered a 4.75 % from another company. On XXXX, the original loan officer from Evesham Mortgage, XXXX XXXX, called me stating that XXXX XXXX  called them saying I requested a payoff statement, and to do him a favor and hold off with my refinance because the new mortgage company ( XXXX XXXX  ) was coming to them for money because they have not recouped their cost from buying the loan from Evesham Mortgage. XXXX went on to tell me that he had previously told me I was not allowed not refinance for 6 months ( 6 payments ) after I had originally closed which was not the case. He then went on to tell me that my refinance would not go through anyway because of this 6 month timeframe, and because the final draw on my construction escrow account has not been paid out ( which it should have been completed but his HUD Consultant lost paperwork back on XX/XX/XXXX when the final inspection was completed ). As far as Im aware, and according to XXXX XXXX guidelines, if there is a benefit to the consumer you can refinance after one payment with a XXXX XXXX loan by doing a Rate and Term Refinance. I do not appreciate a mortgage professional calling me to do him a favor and stop my refinance because it would cost his company money, and attempting to apply scare tactics on me. It deeply saddens me that he is allowed to call me and try to persuade me to not do a refinance that will ultimately save me, the consumer, money by applying scare tactics. It also makes me upset that he and his company are allowed to sell loans without having the consumers best interest in mind, and making attempts to scare them from doing something that will benefit them. I have also heard that a reason why he is so concerned about my new refinance was because his commission was in jeopardy if I refinance before the six month period. Mind you my loan is no longer with his company anymore. Which is why this is even more concerning, because how many times has this happened to others that have done business with this company. I do not want to be harassed by this lender and loan officer which is what seems to have begun.
Cosigned a loan car was reposted primary person on loan is in XXXX  I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me
I have a Corporate credit with Bank of America. I've heard that they and XXXX, are going to be denying banking services to companies and small businesses that are related to legal firearms and firearms related businesses. 

I'm in the process of lobbying my company, who owns the credit card accounts to close all of them, for all of our employees. I feel very strongly about this as do my company owners, but we have not made the decision to do so, yet. 

For Banks to take this approach is disgusting! These businesses are law abidiing! This approach denies our 2nd Amendment rights and is discriminatory and in violation of State and Federal laws. If Banks can arbitrarily impose these kinds of restrictions on law abiding persons and companies, whats next? 
Its also my understanding that these two bank received several billions of taxpayer dollars a short, ten years ago to bail them out of billions of dollars in debt that they were partially responsible for having created! How dare they stick their fingers in the eyes of millions of taxpayers and their customers with these faulty polices. 

I ask they these banks be reprimanded and forced to revoke these policies
XX/XX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the XXXX XXXX XXXX Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  XXXX XXXX XXXX XXXX XXXX counter stating they would settle for {$10000.00} XXXX increased the amount after knowing that I was in the process of buying a resident.
After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. 
Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. 
in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.
I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.

The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.

I appreciate any assistance you can provide. Thanks.
Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.
I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, XXXX XXXX
The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.
CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. 
I 'm filing a lawsuit in Small Claims Court against the Company.
Made numerous complaints to Trans Union concerning the XXXX credit item on my credit report. Informed Trans Union that the information from XXXX is erroneous. Just recieved a final report today and the results are quite confusing. For example, XXXX recieved the vehicle in XXXX XXXX and list that my payment hx was " OK '' from XXXX and then it goes up to 60 days etc. It also lists the last payment made on XXXX/XXXX/XXXX of {$700.00} ( impossible ) I also sent to them the bill sent by the company in the amount of XXXX on XXXX/XXXX/XXXX.
I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law
I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?
I had 3 accounts that went into collections. When I contacted PRA to settle they informed me that they would remove accounts from collections. I have disputed this over and over and over again and they still remain. All they did was update them to XXXX and paid in full when I was informed that they would be removed. I contacted PRA and they said that they no longer remove collections and only update to zero. Which is not want I was told when I paid these accounts. Apparently it is something that happens with this company. I wish I would have done more research prior to agreeing to give payments.
This is a complaint against XXXX XXXX dba XXXX, whose mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
In XX/XX/2016, XXXX XXXX dba XXXX issued me an online payday loan in the amount of {$750.00} with an annual percentage rate ( APR ) of approximately 662.68 % interest ; with repayment of {$230.00} every two weeks for 20 weeks. The terms of this loan which were laid out in fine print involved automatic renewal of the loan every few weeks, which made it virtually impossible for me to pay back the loan within a reasonable amount of time. 

Therefore, I solicited assistance from XXXX XXXX XXXX  and/or XXXX XXXX XXXX, a payday debt consolidation program. However, I withdrew from the program because the cost of their services increased my debt, there was no reduction in my debt and the timeframe in which they expected to settle the debt was not reasonable. I have revoked and hereby revoke XXXX XXXX XXXX XXXX XXXX XXXX power of attorney and they are no longer authorized to discuss this account on my behalf. 

At the time the loan was issued I resided in the State of XXXX  where I still reside for more than 30 years. It have been made aware that XXXX law requires all payday lenders including internet payday lenders that make loans to XXXX residents to comply with its provisions, including licensure provisions and rate caps. Pursuant to XXXX. Code Com. Law 12-101 et. Seq, payday lending in all forms, including online loans are prohibited ; and XXXX Law requires business and lenders be licensed in XXXX. 

XXXX XXXX dba XXXX is not and has never been a licensed business or lender in the State of XXXX which makes the loan issued void and not legal or binding.
Hello XXXX XXXX complaint Ally inspected my Blue XXXX car and wants {$180.00} dollars for a scratch that is definitly under 2 ''. See Pic. Me and the dealer walked all around the car and did not see anything. I even bought the touch up paint the day before and fixed a larger scratch that they did not even make thier wear list. I would have fixed this if I saw it. I did check. 
The dealer did not mark up a inspection sheet like the rental agreement I found in the new car. This should be standard procedure for leesee turn in. It is for rentals. This is a big hole in the system I can send pictures. 


2nd complaint Ally agreed on XXXX to accept {$580.00} dollars by a XXXX on XXXX. XXXX ( another Ally rep recognized this note on XXXX. 
A third rep XXXX on XXXX recognized a note but blew it off as meaningless. 

The letter is asking for {$640.00}, when XXXX was agreed on. 

Are verbal agreements with leasing companies meaningless Thanks for any help XXXX XXXX
Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.
This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.
I have been overseas playing XXXX XXXX in XXXX when I started noticing random accounts appearing on my credit. I am not sure how someone could've gotten a hold to my personal info but my credit has definitely been compromised. I have no knowledge of who exactly could have done this. On my credit it states that this account was opened in XX/XX/2012 but I didn't notice it till a couple years later due to the fact that I don't use my credit as much.