WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card at BOA and was denied an unsecured card. So once the denial letter came in the mail I applied for a {$300.00} secured card in the mail. However, my biological mother and grandmother had an checking account opened at BOA in my name that I was unaware of in XXXX. I was then sent a letter with a pin number selected for me and that the card would come in a separate letter. The card never came in the mail. I also never received the card ending in XXXX. I reported card lost or stolen. Then I was sent a new card with a new account number ending in XXXX. This card was then detected for possible fraud after an XXXX XXXX XXXX installations with XXXX when my step father XXXX   box got installed in my apartment and registered to my name and new cable account since I had used that credit card to open the account on XX/XX/XXXX. This uverse account was immediately compromised and multiple people had added themselves to this cable account that was used to get access to different bank accounts. After I closed cable service in XX/XX/XXXX with XXXX those cable boxes in my name somehow went into circulation and these individuals keep access my bank accounts this way to transfer money. BOA then told me because they detected fraud on my card in XXXX they closed the account and opened a new account ending in XXXX and mailed me a new card. I later received second hand information that the first two accounts mentioned where still active and different individuals were using XXXX to make purchases to embezzle money out of the accounts that I though were closed to get access to a trust that I was unaware of that I had. I closed the account ending in XXXX once I paid off balance. The last statement I received was in XX/XX/XXXX. I had also used this card as a bill and proof of residence when I applied for XXXX XXXX Assistance to cover a doctor visit at the hospital. However, I order to apply for this assistance it states that you give XXXX permission to hold any settlement money due to you to cover your doctor bills if you should be expecting a money in the near future. This card was then fraudulently kept on file to get access to bank account and multiple medical professionals created fraudulent records and documents to bill out for medical treatment I was never there for nor had I consented to the treatments. The XXXX FBI noticed this fraud in the account and billing at XXXX XXXX XXXX. Again all of these above accounts should be closed. These accounts are tied to an XXXX report with ATT # XXXX and FCC # XXXX. It also affected my bank account at XXXX. XXXX CFPB # XXXX for XXXX. The other telecommunication companies that I have been affected with these accounts are also listed below for reference : FCC XXXX Squad # XXXX XXXX Geek Squad # XXXX FCC XXXX XXXX # XXXX FCC XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX FCC XXXX # XXXX XXXX XXXX # XXXX FCC Metro PCS # XXXX XXXX XXXX XXXX # XXXX
I previously submitted a complaint against XXXX XXXX XXXX XXXX in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XX/XX/XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through 1st Financial Bank in which the last date of payment was XX/XX/XXXX. I also received a demand for payment the same month. I responded by certified mail XX/XX/XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XX/XX/XXXX, which was a copy of a statement from the credit card company 1st Financial Bank. In XX/XX/XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XX/XX/XXXX they sent me copies of paperwork requesting information from me and discovery. At this point I submitted a complaint against the law firm and 1st Financial Bank with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XX/XX/XXXX that they have filed against me with the court.
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from XXXX 2017 until now are NOT mine and need them removed from all credit reports Thank you
I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.
Was receiving calls from Allied Collections in XXXX, Mi for some outstanding medical bills. On XXXX XXXX, 2017 a settlement was reached for {$1300.00} to close all outstanding medical accounts. The amount was paid in full. Maybe two weeks later after my credit report was refreshed it showed the accounts closed, but NEW accounts were added from Allied Business Solutions ( same company ) all for the same exact dollar amount as the ones that were just paid off in the settlement. Unfair and deceiving business pratice plain and simple. This company operates under different names but are all the same.
I had a {$2000.00} credit line with Sears. I always pay my card timely ; in fact I always pay my account early. I did so in XXXX pay XXXX payment early. I had requested long before that my due date be changed to the XXXX I believe so there would be no chance of my payment being made late. It was agreed to do this, however, they never did and my payment for XXXX or XXXX was a day or so late. I immediately contact them by phone to resolve the matter. Later, they took away my {$2000.00} credit line for their own mistake. I called in about that and spoke to repetitive women who told me to write in to their very department so they could deny me again. I sent a fax to the director of that dept. but never received any response back. I just tried to place an order and only 2 of the items were shipped and I received a notice that for my convenience the other items are in my cart? What Sears has done is ding me for their own mistake and though the women I spke to agreed that this was Sears ' mistake, they would not undo the retaliatory, unlaqwful treatment that I received because of their error. I just need my credit line reinstated and for whomever restricted my account unlawfully in the first place to keep away from my account at all times. This was their mistake, not mine, so I should not be punished for it! Thank you.
Contacted EverBank several times including the office of their CEO   XXXX   XXXX   XXXX  and was given the run around.   EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.
i have been trying to get my student loan out of default, i was promised that the default paperwork would be completed by the end of XX/XX/2018. I tried for three weeks to get someone to send me the paperwork stating my account is no longer in default, i have been to NSLDS to check the status of my defaulted student loans and the status is still the same. Every time i contact XXXX XXXX its the same, you wait on the line for 10-15 minutes with no response, or someone answers and then places you on a call to tell you that they will need to call back, or they promise to call back with an update. 

All i want is to have the student loan status moved out of default because i completed making payments for the 9 months required. I have been paying out of pocket for school and want to place my loans in deferment. 

XXXX XXXX keeps trying going back and forth and making excuses, telling me that i need to sign another rehabilitation agreement, they've told me that i never signed one and once i send them what i have they tell me that one is the correct one. 

I'm not sure why something so simple has turned into a nightmare with no able to help or resolve issues.
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX, XXXX, XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX, XXXX, and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
i have explained to creditor Portfolio Recovery Associates LLC that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from XXXX XXXX showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXX XXXX ; XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX
I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.
My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.
Capital One Bank USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They were to automatically withdraw the payment and did not because I am on autopay. They were called and they were to fix it and said they did. Now I see from checking they haven't fixed the problem. I was not late at all. I paid the payment online after talking to them. Because they did not take the payment out, which definitely not my fault. It clearly was there. The payment they missed was XX/XX/2018. 
As you can see I take my payments very seriously. I go back five years and have never missed or been late on one payment. Thank you for your time, it is greatly appreciated. 

Sincerely, XXXX XXXX
I sent 3 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
I have a second signer on my account. They have never used their debit card. Chase received an unauthorized request for a replacement debit card to be sent to an address not on file. They honored this request and when the card was received the people committing fraud were able to access my account and withdrawal {$400.00}. This was immediately seen by me and reported to chase as fraud. They opened a claim and then closed it because it was a chip and pin transaction. We brought the issue to their attention again and spent hours walking them through the details ( namely that they issued a debit card overnighted to an address not on file without confirming this request with either card holder. ) they returned my funds during their first review and then reversed that. Then returned my funds again and reversed it again for the same reason. They created this issue by sending a debit card out without my authorization ( and without confirming it with the other signer either ). And now they are reviewing it for a third time. They have failed to protect me, they have failed to return my funds and they have taken hours of my time discussing an issue they created.
On the morning of  XXXX   XXXX , I noticed that there are several accounts reporting on my Experian credit report that are both inaccurate and not mine due to identity theft. yesterday I had to temporarily remove my freeze on my credit report so that I could accurately view my entire file. Prior to today, I have always been able to do this without lifting my security freeze, but for whatever reason was unable to do so this time because it stated my information did not match what was on file.     Upon my review, I noticed the following trade lines that are both inaccurate and not mine and would like to dispute them as fraud : 1.   XXXX   XXXX   XXXX   XXXX   Date Opened :  XXXX  Credit Limit : {$4000.00} Balance : {$4000.00} Last updated :  XXXX  Status : CLOSED 2.   XXXX   XXXX   XXXX   XXXX   Opened :  XXXX  Limit : {$5000.00} Balance : {$4900.00} Last Updated :  XXXX  Past due amount : {$190.00} Status : CLOSED 3.   XXXX   XXXX   XXXX   XXXX   Acct # : (  XXXX  ) ********* Date Opened :  XXXX  Limit : {$14000.00} Balance : {$17000.00} Last updated :  XXXX  Past due amount : {$3900.00} Status : Open All of these accounts, I have contacted the merchant o ver 20  times and subsequently filed  ( 5 )  CFPB complaints concerning these accounts were not reporting accurately and subsequently were also not mine due to identity theft. I have been told countless times that they would be removed. All (  XXXX  ) of these accounts have been removed from both my   XXXX   and   XXXX   credit files as of  XXXX  of   XXXX  . I am attaching my necessary documentation,  DL &amp;  SS card for verification purposes.     Thank you for your help,  XXXX   XXXX   XXXX
I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.
I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.
XXXX # XXXX XXXX. XXXX XXXX XX/XX/XXXX OnXX/XX/XXXX chase given me a totally different answer then complaint XXXX of XXXX XXXX role. Only XXXX XXXX can answer this question. 

Produce documentation and prove up with paperwork that XXXX XXXX   legally invested in my loan loan XXXX without my knowledge and while chase was my servicer?
On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an Experian consumer report. It has not responded. 

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report. 

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.
Hello, I was unable to find the correct option for my complaint as it was not available on your menu. However, the complaint is still important and in need of your help. I have an Experian account that I have been trying to cancel since XX/XX/XXXX2018. I have used the proper phone numbers provided by Experian on their web site and was kept on hold for over 45 minutes the first two times I made this attempt back in XX/XX/XXXX 2018, and yet no customer service rep picked up my call. 

I discontinued the credit card I was using to pay for my monthly Experian report due to this inability to cancel my membership and I made two additional attempts to connect using the proper phone channels and had the same experience with being kept on hold for longer that 30 minutes and still no customer service rep picking up the call. 
I work two full time jobs and it is almost impossible for me to have enough time to sit on the phone for these long periods of time in hope that for someone Experience will eventually take my call.. 
This morning I spent the past TWO hours on hold ... I used the two different phone numbers suggested by Experian and I XXXX to see if anyone out there could guide me to a more successful strategy. 
I found an email address and sent my complaint and request for canceling my account but was told that the only way I can cancel my membership is through the very same numbers I have been dialing this entire time. 
I am now getting emails from Experian stating that I now owe them for my membership even though I have done all I can think of to get this situation resolved. THIS is absolutely unacceptable as their membership documents state that my membership is not cancelled unless a customer specialist does it for me. So, how am I to cancel my membership as they request if they do not pick up their calls? 
I hope you are receiving other complaints from Experian customers who are trying to discontinue their membership so that you can help Experian develop a successful strategy for other consumers who simply wish to discontinue their membership and help those of us who simply wish to discontinue our membership.
I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.
To whom it may concern : I have check my credit report and had found a delinquency on my XXXX card account which is in accurate, this is a alleged late payment on XXXX. 
As a consumer I have the right to request verification and/ or validation of this inaccurate reporting which is affecting my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification. 
Under federal law you must provide : name, number, position occupide by the person how verified this late payment, failure to do this is a violation of federal law.