WillisBack/dataset-financial-user-claim huggingface dataset:
My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.
There was a total of XXXX in unauthorized charges to my checking account. I contacted Chase Bank about disputing these charges and they refused to assist. I did not authorize either of the 2 transactions, nor provide my PIN number. I have attempted to contact the merchant and received no answer The first charge was XX/XX/18 for {$75.00} and the second charge was XX/XX/18 for {$10.00}
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I  called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a XXXX XXXX. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a XXXX XXXX. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a XXXX XXXX, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
This account with XXXX was removed from experian for XXXXmonths and recently was reinserted without any notification I waited a month and I was n't giving any notification and experian still have n't remove the account under FRCA an account can not be reinserted without giving five to 15days motivation
To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX
XXXX XXXX and another company has XXXX recent hard inquiries on my credit report that I did not authorize
Debt collector actually owes me a refund. I have been repeatedly told since XX/XX/XXXX that they have refunded the money. Mailed to wrong address, returned to them, deposited to my account, mailed to my home. I have still NOT received the refund. Check was supposedly mailed from XXXX to XXXX, still have NOT received it. They refuse to supply a check number or verification of the payment.
On XX/XX/2018, I transferred {$2000.00} into a Simple XXXX account. I then transferred the money into their " Protected Goal '' product which earns a higher interest rate. After leaving the money until XX/XX/2018 I transferred an additional {$6500.00} to Simple XXXX. This time I was unable to transfer the deposit to their " Protected Goals '' product and I realized I was also unable to withdraw money from " Protected Goals ''. I have contacted support around 5 times from XX/XX/2018 to XX/XX/2018. I was never given any information about when this might be fixed. I was never given a means to close my account and return the money. I was never contacted by a manager as I was told I would be. To this point, I have not been given any update on how this might be resolved nor any means to close the account.
I get repeated phone calls from Midland Credit all day, every day starting just after XXXX XXXX. until XXXX XXXX.. The only day missed was XXXX. I am retired, owe no one and have no previous unpaid debt. They may even call 5 minutes apart, but usually 3 to 6+ times throughout the day. They call Sundays starting early, too. No one else lives here. This has been going on for a year, along with all the other offshore scam calls and fake threats from the " IRS ''. My theory is the calls may relate to someone who has listed me as an emergency contact, or they are trying to scare me to try to extort money from me for a bogus claim. If they think I owe them, they should contact me by mail. They have not done so, so I can only assume they are scammers. I think these people consider the XXXX to be prey. They never leave a message, so I consider this plain harassment.
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything
Partners Financial Services ( XXXX XXXX XXXX, Missouri XXXX. XXXX ) is showing that I have an open student loan in the amount of XXXX on XX/XX/XXXX. They show I am the cosigner on the loan. However I had a severe XXXX XXXX on XX/XX/XXXX and did n't even wake up until the XX/XX/XXXX then was unable to walk with out assistance and could not speak coherently for 11 days. I do n't have any recollection of agreeing to this or signing for this loan. I first found out about it in XX/XX/XXXX when they reached me on the phone and I told them then that it was n't mine and I had no way of paying it. Again every month after that until XX/XX/XXXX. Help me
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
Someone at Western Union used my account and debit card without authorization. I was charged {$440.00} two times recently. I authorized one transaction to XXXX XXXX on XX/XX/30 for {$400.00} plus the service fee. 

There is an additional {$440.00} deducted from my account from western union under the title bill payment. Which I did not authorize. Please fix this issue as soon as possible because I need the funds. It is my sons birthday, and I need the {$440.00} you took out of my account without authorization.
today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.
Mr. XXXX XXXX of the Charles Schwab Advocacy Group by letter dated XX/XX/2018 told me that one ( 1 ) person at Charles Schwab closed my accounts! One person! There were no controls to prevent this! 
The person angry with me because of my request that she refused to honor to add my middle name of XXXX my name on my checks in spite and with vengeance closed all my accounts! Mr. XXXX later reopened my accounts but again this person closed them! One person was able to lose my accounts and place my financial situation in absolute turmoil! No supersivion! No controls! No nothing! All done by one lone person!
In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and TransUnion credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, XXXX  and TransUnion. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, XXXX and TransUnion to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, XXXX and TransUnion consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, XXXX and TransUnion to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XX/XX/XXXX, XX/XX/XXXX and TransUnion but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment
The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.
The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.
On XX/XX/2018 I filed a dispute for a charge from The XXXX XXXX for {$150.00}. On XX/XX/2018, more than three months later past the allowed timeframe to reply to settle a dispute chase sent me a letter stating they were removing the temporary credit of {$150.00} since The XXXX XXXX issued a credit from a completely unrelated transaction for {$100.00}. Previously, I had also called into Chase to inform them the credit from the XXXX XXXX was unrelated to the charge in dispute. This should have been obvious seeing as the credit was for a totally different amount on a date very far apart from the dispute being filed. Thus they not only exceeded the allowed timeframe allowed to settle a dispute, but they also used the credit from an unrelated transaction to deny the dispute outlined in my letter on XX/XX/XXXX.
Our mortgage was sold 7 times. The latest lender was Bank of America. No one ever had clear title to sell the house to us and we never had clear title to sell the house. We were notified that the home was being transferred out of Bank of America to FHA. All of a sudden Bank of America foreclosed on the mortgage and we lost our home. We hired an attorney to represent us in the foreclosure, but the judge ruled against us, completely disregarding the fact that a clear title to the house was never possessed and the mortgage was sold so many times. no one could figure out where to get it. I was unaware of the settlement provisions available to homeowners who lost their homes. Are there any actions of recourse to sue Bank of America for not transferring the mortgage as stated and never having a clear title to pass it to us or a mortgage that was good in the beginning of the transaction? The property address was XXXX XXXX XXXX XXXX XXXX , FL XXXX.
I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.
Several inquiries are on my credit report with out my knowledge and TransUnion refused to investigate the inquires
My issue or concerns are with Equifax and XXXX I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. Equifax has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX XXXX. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both Equifax and XXXX are with ( XXXX XXXX XXXX for {$740.00} AND XXXX XXXX XXXX  for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my XXXX and Equifax credit reports. I have been disputing this information since XX/XX/2017.
Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with " F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.
still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.
I had a used auto loan with capital one for my XXXX XXXX XXXX. The vehicle was totaled on XX/XX/2017 and I immediately reached out to Capital One to advise them of the loss. I verified with them that I had purchased GAP coverage for my loan. I spent the next FOUR MONTHS going back and forth between Capital One and XXXX XXXX XXXX AKA XXXX regarding my gap claim. Capital One kept telling me that XXXX XXXX XXXX were the problem and that I needed to continue to contact them to get my claim entered and paid. They threatened to report my balance to the credit agencies since I owed approximately 1,200 after the other driver 's insurance paid for my vehicle. I purchased the gap coverage through Capital One when I initiated my loan yet they acted like their 3rd party choice of insurers had nothing to do with them. I FINALLY got XXXX to process my claim but recently discovered that they only paid approximately half of what was due. I still have a 600-something balance on my auto loan and now Capital One is reporting it as past due on my credit report.
XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?
On    XXXX   XXXX    , 2017 I n oticed that my credir report dropped a significant amount. This was due to an error that   XXXX   XXXX   made. They erroneously reported that I was using between  12 and 29 % o f my credit for the month of  XXXX . On    XXXX   XXXX    , 2017 S upervisor at   XXXX   XXXX    XXXX  stated she would message the  XXXX  reporting agencies,  XXXX , Transunion and   XXXX   of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached  2 scr een shots of my credit report. The correct  one and t he one that took a hit uneccessarily. Please fix this error ASAP.
on XXXX XXXX-2017, was charged {$34.00} for insufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for in sufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds/overdraft fees XXXX XXXX XXXX-2017 was charged {$34.00} for insufficient funds/ overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds-overdraft fees. All these charges are not justify from their rules and regulations, therefore i requested a full reversal all the above charges XXXX-2017 ( at the time was only 3 times charged insufficient funds fees spoke to XXXX XXXX XXXX ( manager customer service for jp morgan chase ) and she totally deny any credit back to me and also she was unwilling to give me her id number. jp morgan chase has manipulated their rules and regulations so they can charge customers unjustified fees. the followings will describe how jp morgan reformulated their rules so they can steal money from consumers. # 1Last year they closed everybody overdraft protection accounts ( customers will have a line of credit to use it when account will go overdraft so they may charge over the limit fees # 2 they allowed checks to go in the account anytime during the day so they may charge customers fees unaware of the activity in their account # 3 i used login in the early morning in my account and see all the pending charges and covert them accordingly to a time frame regulated from the bank example : if a transaction will be pending status for {$500.00} at XXXX XXXX and only have {$300.00} in the account will make a deposit by XXXX and covering now checks are allowed in the account anytime of the day so the pending status does not exist anymore. its not fair that jp morgan abuse his customers this way and we all deserve a fair way to be treated even if we struggling financial