WillisBack/dataset-financial-user-claim huggingface dataset:
I have student loan accounts reporting on my credit that does not belong to me. I have never applied for this loan or any other credit lines on my behalf. I did not co-sign for anyone else to do so. This account does not belong to me.
I have been a victim of identity theft repeatedly over the last 10 years, including due to data breaches on XXXX XXXX, and XXXX, all of which revealed my name, address, dob, ssn, and place of employment. While the accounts that were fraudulently obtained were all removed, the inquiries from the more recent breaches have not been removed. 

I filed complaints over the phone, and in writing to TransUnion instructing to remove the inquiries. I was informed that they were removed on the phone, and logging into my TransUnion credit monitoring product shows that they are removed. However, I received no response to my written dispute of the inquiries. 

When I pulled my report today from a third party site, all of the inquiries, fraudulent or not, are there again. If I log into TU, it shows XXXX inquiries. Trying to obtain my free credit report through their dispute and annual portals results in no report, as it appears they have blocked me from accessing them through anything other than their credit monitoring tool.
On XX/XX/2017, I was offered a promotion by a representative from American Express ( Amex ) during a phone call. The promotion was about adding additional authorized users ( additional cards ), and I would earn XXXX Membership Reward ( MR ) points after {$500.00} purchase of each additional card. Up to XXXX MR points in total. I accepted the offer and added 4 additional users to my card. The whole process was monitored by a supervisor of the representative, and they ensured me that they would keep this in mind and if all of the additional cards hit the {$500.00} purchase requirements, they would credit the XXXX MR points to my account. They especially guaranteed this because the offer was initially removed by a representative by accident without my permission, but they manually added this offer and the supervisor promised me that he would honor this promotion. 

All of my additional users spend more than {$500.00} by XX/XX/XXXX this year, but the MR points have not been credited to my account after a few weeks. Therefore, I called Amex multiple times and even reached out their supervisors several times, but they seemed to know nothing about the " promise '' the supervisor gave to me ( he previously said he had put notes to my account to honor the promotion ). Thus, Amex agreed to set up a case for investigation. However, in XX/XX/XXXX, the case was still pending. It has been more than 6 weeks since I first contacted them about this issue. 

Importantly, it is not something difficult for Amex especially when my conversation with the supervisor on XX/XX/2017 is recorded. I feel helpless and depressed because Amex first gave me the promotional offer and guaranteed that the offer would be honored. Then, when I met the promotional offer, they started to shirk responsibilities. Customers are always in a passive role, especially in such situations. I really want to Amex to go ahead and check to the conversation record and honor the XXXX MR points. Keeping promise is an important policy for any merchants.
I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.
On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.
I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. 
a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. 
I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. 
b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. 
c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. 
Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. 
d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. 

I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.
my mortgage company states i did not pay 5 months of my mortgage. I have canceled checks from Selene Finance. I called they would not speak to me. told me to mail or e mail a dispute. Meantime they are refusing my last XXXX loan payments saying is not the amount owed. I have submitted the email with cancelled checks, after XXXX more phone calls - customer service states takes 30 days to even review- meanwhile Selene Finance is putting derogatory remarks on my credit for late payments. This is not the first encounter with this company of fraud attempts to default my loan. unfortunately i am unable to refinance due to this company saying i am behind in payments. This company NEEDS TO BE SHUT down.. I am not the only person they mess with. I have researched numerous complaints very similiar to mine on the internet posting regarding this company. I do understand the CEO of this company once was partner in NY firm and attempting similiar issues. I do hope you can help and eradicate this company, and stop this fraud business.
I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.
On XX/XX/2018, I received notification from the credit reporting agencies that I had received a collection from American Express for non payment on a credit card I had no knowledge of. The collection reported on my credit file is around {>= $1,000,000} dollars, of which I have no knowledge of. I'm a victim of identity theft, please see attached ( 2 ) police report documents. The police reports explain everything I incurred during the robbery. I was robbed and my purse was taken from me violently. American Express has let someone explort my identity and as a result placed a derogatory mark onto my credit file. I've never done any business with this organization before. This has caused a major hardship due to me being a business owner and must retain good credibility. I pride myself on being viable and to maintain good credit health. This situation over the holidays has been troublesome at least. I would like something done about this as soon as possible.
XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.
For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!
Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.
I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!
In XX/XX/XXXX, I called XXXX XXXX to provide me the available balance transfer information and it was incorrect therefore when I tried to pay the Chase account credit card off the balance transfer check bounced NSF. I was charged a returned payment fee and late fee which were refunded as a courtesy XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX to inquire why the balance transfer check was returned and they offered to send Chase bank a wire for the payoff. The wire was returned because my account is closed and I was charged another late fee in the amount of {$39.00}. I opted to close the account when they erroneously increased my interest rate for no reason shortly after the financial crisis. In XX/XX/XXXX, I paid the account balance listed on the statement of {$3600.00} ( including the late fee ). I subsequently got charged purchase interest in the amount of XXXX which was paid off today XX/XX/XXXX  This erroneous interest should not be charged on a closed account. I did not make any charges and paid off the account last month. I want a check refund in the amount of the erroneous late charge {$39.00} for the returned wire and {$13.00} in erroneous purchase interest on an account that was closed ( total of {$52.00} ).
Toledo Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX XXXX client XXXX XXXX is victim of identity theft. His information was used without his consent to apply for several credit related accounts. While clearing his issues his Equifax credit report listed the addresses related to the fraud. The addresses found are ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX A formal dispute of this information was provided to Equifax. Equifax confirmed the data removal in a letter however the credit report they provided still listed the fraudulent addresses after they confirmed the removal. This continued reported address is a violation of the FCRA and my clients federal rights.
There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending
There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.
On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX Bank, which was subsequently paid off with the XXXX loan. I received a judgment from RAB Performance Recoveries LLC for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
On XXXX2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
This complaint is in regards to the 2017 Equifax data breach. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this data breach is costing me {$60.00} because Equifax did n't manage their data securely. If my identity is stolen the damages will exponentially increase. Equifax should be held liable for security freezing fees put in place due to this breach. Additionally, Equifax 's identity theft monitoring service is un-useable due to the binding arbitration clause, which waives my right to take legal action against them.
Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.