WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for and obtain several credit and banking accounts. An extended 7 year fraud alert was requested with each of the credit bureaus as a preventative measure however, while checking his credit report he found TransUnion never listed his fraud alert header on the victim statement. When he contacted TransUnion he was advised by an operator that someone was able to call and have the alert removed. Per FCRA guidelines the way an extended 7 fraud alert is supposed to be placed or removed is in writing with proper documentation and PII of the consumer requesting either the placement or the removal of the alert. TransUnion is in violation of FCRA guidelines.
Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
On XXXX/XXXX/2016 I received a letter from Convergent Outsourcing , Inc. claiming that they were collecting on behalf of XXXX XXXX , XXXX for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my XXXX account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine
I had my 2015 tax return sent to net spend on XXXX XXXX. They let me make couple of with draws. Then they put a block on it. They wanted information that I could n't provide.So I told them to mail it to me.I call several times and talked to many supervisors and all gave me different information.They claim they mail it off.Here are some of the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX &, XX/XX/XXXX all dates had a20 day waiting period. As of today date XX/XX/XXXX I have n't received it.Now every time I call I 'm holding till the line click off.
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires
Greetings, I am a teacher who have been banking with XXXX XXXX for more than 12 years. My account with XXXX is a joint account with my wife and she received a credit card from the bank approximately a week ago. For the past two months the bank has been sending me credit card offers in the mail and I decided to accept the offer on Saturday XX/XX/XXXX. However, my application was denied. The problem that I am having with the entire situation rest in the fact that with this credit card rejection, my credit score will now be affected for several years. This is not fair to me, as I have been making valiant efforts to fix my already week credit. The question therefore is, is it right for your bank of over 12 years that knows your employment status, which includes your monthly direct deposit, and have all the details of your general eligibility prior to making such an offer, proceed to making the offer and then turn around and deny you the credit card knowing, that it would impact your credit? 
Frankly, in my humble opinion, I believe that something is very wrong with that. I am hereby asking the fair-trading commission to please look into this matter. Thank you.
On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Hello to whom it may concerns, I have problems with chase bank. On XX/XX/XXXX in the evening I received notice of being overdraft from my checking for {$8.00} I immediately deposit {$100.00} because I know that there will be potential automatic payments coming through. Another transaction came out Sunday {$19.00} and Chase charged me {$34.00} overdraft fee which created chain reaction of multiple overdraft. Right now I have 3 overdraft of {$34.00}. And I have other transactions ( Automatic payments that will come through ). Right now I am {$80.00} negative. I called Chase and asked them to reverse their fees putting me negative they said know because we already reverse fee for you this yr. But Chase reverse fees that werent correct. And they called that courtesy reversal. I didnt do anything wrong, you charged me wrongly, that is why you gave it back and now you will not correct another unfair charges because you were nice to me already for giving back what shouldnt have taken in the first place. That doesnt make any sense to me. 
I have income reduction I can afford paying my bills, but I can't afford letting my bank scamming out.
G. Reynolds Sims, took over a credit card debt that I had for approximately $ XXXX last year, around XXXX XXXX. I was actually wrapping up a divorce at the time. I was making monthly payments and having them auto deducted from my checking. I moved however did not change my phone number and also forwarded my mail as well as legally changed my address. Five month later this law firm contacts me and says I now owe them over $ XXXX. They requested documents, tax returns, pay vouchers, bank statements, which I provided back at the end of XXXX XXXX. I did not hear from them again until recently when they, without communication or notification garnished my bank account taking all my money, plus the bank charged a {$120.00} fee for doing so. They took {$400.00} and this occurred about two weeks ago. I found out about it when I tried to purchase food with my debit card and it was declined. I logged onto my bank website to find my account balance to be XXXX. I called the bank and they investigated these transactions and indicated that G. Reynolds Sims garnished my account. How is it legal and fair that a company can do such things. I was reasonably trying to work with them to settle this debt and make payments. None of the XXXX other companies I 've dealt with had any problems calling me or sending me communications by mail to resolve my debts. I was and have been doing the responsible thing and trying to pay these debts and not just declaring bankruptcy like many people seem to do and just walk away. Can your agency please assist with this company and their handling of my account? How can a company purchase a debt for pennies on the dollar then turn around and charge over 30 % interest on the original debt amount? If this is legal then I think I want to go into the business of buying charged off credit card accounts as well. To be honest I am fearful of them and their tactics. I have been nothing but cooperative with them and have not been trying to dodge them like some consumers do. I am at my wits end with them and am at a total loss as to what to do in handling them. Any assistance you can provide or any recourse with this firm would be much appreciated.
Trans Union is not responding to my request to investigate, verify and remove XXXX account from my credit file.
On XX/XX/2016 I received an email from Nationstar that my home mortgage loan servicer was changed from XXXX to Nationstar. On XX/XX/2016 I received a privacy form letter from Nationstar stating that I could opt out of my information being provided by Nationstar to non-affiliates, etc., to market to me. Responding to this letter to indicate that I do n't want my information provided to such entities requires my Nationstar loan no. I called Nationstar to get my loan no., and was told it was not available because Nationstar just bought several other servicers and they are very busy inputting all of the data, but that there will be no late payment penalties for the first two months, presumably because it will take that much time for them to get me a loan no. so that I can make my mortgage payments. My concern is that many people will forget about this privacy letter between the time they receive it and the time they receive their loan no., thereby thwarting the purpose of the law. I would like to see Nationstar re-send the privacy notice with, or shortly after, it sends out the notice of everyone 's new loan no 's.
On XX/XX/2018 I paid a {$950.00} settlement payment to Portfolio Recovery and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.
I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.
I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.
I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXXshould be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.
I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.
misrepresented the amounts consumers owed.ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD. 
Fair Debt Collection Practices Act The complaint also alleges that XXXX violated several provisions of the FDCPA, in connection with collecting loans that were in default when XXXX obtained them. Specifically, the FTC alleges that the defendants falsely represented the character, amount, or legal status of consumers ' debts ; communicated or threatened to communicate credit information which was known or which should have been known to be false, including the failure to communicate that a debt was disputed ; used false representations or deceptive means to collect or attempt to collect a debt, or to obtain information concerning a consumer ; collected amounts not authorized by the agreement or permitted by law ; and failed to validate debts. 
misrepresented the amounts consumers owed. 
INFLATING ORIGINAL PRINCIPAL BALANCE ] This not the first time select portfolio servicing ARE inflating original principal balance ON MY LOAN assignment fraud, XXXX XXXX, XXXX XXXX, not my lender ... 
XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX XXXX XXXX XXXX The case was challenged as to assignment fraud the assignments fraud was caught when the prior defunct plaintiffs XXXX fka XXXX fka XXXX XXXX XXXX all defunct debt collector law firm shut down was caught entering fraudulent assignments of mortgage in XXXX prior fillings by defunct XXXX XXXX XXXX XXXX XXXX defunct XXXX and XXXX assignment fraud from a defunct finance XXXX that XXXX to exist in XXXX and no live person at XXXX XXXX and XXXX nothing to assign. 
FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lending group filed for Chapter XXXX bankruptcy protection in Delaware in XXXX it is still under that " protection '' ) XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX brothers XXXX brother where is the permission to act from bankructy trustee of XXXX XXXX for XXXX XXXX to manufacture thus fraud ASSIGNMENTS Where is permission to act from th bankruptcy trustee for mers and its OFFICER reviewing this document questions whether XXXX or any of its officers had prior to convey this property out of XXXX XXXX, XXXX a defunct entity. 
MOTIONS : ILLEGAL BUSINESS PRACTICE XXXX XXXX XXXX OF XXXX XXXX for depositions WHO holds title as document control officer for select portfolio servicing and address XXXX XXXX XXXX XXXX XXXX, UT XXXX ANDALL UNDER CONTROL OF XXXX XXXX. XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX XXXX AND XXXX XXXX AND PLAINTIFF XX/XX/XXXX REQUEST A HEARING AND INVESTIGATION OF CFPB ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD.
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
I financed a vehicle in XX/XX/XXXX and in early XX/XX/XXXX had a very bad car accident I had full coverage on the vehicle but the adjuster never totalled the vehicle out although they verbally said they would and it left me with an unpaid balance of over XXXX and it remains on my credit report even though the account has been closed.
I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.
I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports.
This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.