WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
My father, who is now estranged, took out a loan for approximately {$15000.00} with XXXX while I was in school for my XXXX degree ( XXXX ). My mother, who is divorced from my father, has been making on-time payments for over a decade. XXXX never mailed or emailed any statements. When we would call XXXX to inquire about the balance, they refused to provide us information on payment history, since we were not the borrower. 

Recently, Navient acquired the debt from XXXX. We were dismayed to find that not much progress has been made with reducing the amount owed. A similar loan taken out at the same time has been payed. Navient also refuses to provide the payment history from when the loan was with XXXX, and we are unable to speak with an XXXX representative due to their restrictive automated phone system. 

Even with an interest rate of 6 %, there should not be over {$10000.00} remaining in the account. Viewing the payment history is the first step to understand how on-time monthly payments did not reduce the payment balance.
I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by National Credit Systems, since they only deal with that agency and not XXXX XXXX XXXX XXXX. A lady at the apartment had contacted National Credit Systems to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to XXXX XXXX XXXX XXXX XXXX, apparently a company under the same umbrella as National Credit Systems. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
I have a Fraudelent ID Theft problem because of a breach of XXXX XXXX XXXX XXXX 's data base. This is the second time I have had a problem calling Experian to initiate a renewal of my free 90 day ID Theft Credit Fraud alert via the phone number shown on the FTC website : XXXX XXXX XXXX. They do not have a distinct option ( or number ) for dialing into and resolving this problem. I submitted a similar complaint to the CFPB on XXXX/XXXX/2015 Case number XXXX, which was resolved in my favor. This problem constantly recurs, and there is a distinct attempt to direct the consumer to a credit freeze, because that is the closest option available for a ID Theft Alert, and it is a service the consumer must pay for. Please help me resolve this problem, not only for myself, but for other consumers as well. 
Thank you, XXXX XXXX
In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.
Synchrony Bank ( SYNC ) lowered my credit limit on two accounts. One account was lowered from {$2500.00} to {$1200.00}. Another account credit limit was lowered from {$1000.00} to {$500.00}. I had paid off both cards, and there is no reason for them to lower my limit.
PLEASE SEE ATTACHED FROM XXXX THEY HAVE REMOVED THIS ACCOUNT AND EXPERIAN SHOULD DO THE SAME. EXPERIAN VERIFY THEIR BANKRUPTCY THRU XXXX AND XXXX HAS REMOVED HERE IS THE LETTER
On XXXX I defaulted on a mortgage loan number XXXX. On XXXX a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
I have a business account with Chase. My fiance is a signer on the account and has her own debit card. She deposited a check made payable to her personally into the business account. She received a receipt saying that it may take up to 10 days to clear. I received a letter from Chase and was told over the phone that due to the deposit, my account was restricted and would be closed unless they received certain information from me -- specifically wanted to know the phone number associated with the payer 's account. While this seemed unusual, I asked the payer for the phone number associated with his business account with XXXX XXXX XXXX. He told me that the check had cleared his account and emailed me copies of front and back of check indicating it had been paid ( attached ) also gave me the phone number. The Chase phone person said that this was not the right number associated with his account, Dozens of phone calls and two weeks later the funds sit in a suspense account at Chase " indefinitely '' and my account is being closed by Chase at which time the payer can request the funds be returned to his bank, so long as he provides the information that Chase is looking for. Of course this is absurd and I would hope be illegal as it is basically stealing. Does Chase have a right to hold money indefinitely and require personal information from a paying account not even related to Chase?
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from them.
This is not the first time I have complained about this company and its intentional tactics designed to harm consumers. 
On ( or about ) XX/XX/2017 I requested that PennyMac send me a copy of my deed and note ( I am doing a refinance to get away from this company ). I specifically told them to mail it to me and they told me they would and to expect it in a few days. On XXXX I called and was told they had not mailed it. I requested they fax it immediately and was initially told they could not do so, later they claimed they would ( I still have not received it at the time I am writing this ). I also again requested they mail it. I am certain they did not mail it to me as a way of preventing me from moving my mortgage to another company. This is not the first time I have had problems with PennyMac refusing to meet their obligations in regard to my mortgage. As of this writing I still do not have these documents.
I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Synchrony Bank has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Synchrony Bank has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX  balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.
A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.
Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.
My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. 
I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il XXXX
There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX
On XX/XX/XXXX I received a notice that my mortgage had been transferred. I received a 7 page mailing. My mortgage was auto paid and I did not understand that the actual payment location had changed as well. I continued to make my mortgage payments though the auto payment system. At no time was I ever contacted or informed that there was any issues with the payments. 

On XX/XX/XXXX I received a letter from my original lender stating that my XX/XX/XXXX payment was returned and they would no longer accept payments. On XX/XX/XXXX I received a late notice from the new lender stating that late charges were assessed to my account. After I called and verified the account I paid the lender immediately ( XX/XX/XXXX ). 

Evidently the payments were being forwarded from one lender to the other and I was never contacted or informed that there was any issue with the payment or the transfer process until XX/XX/XXXX after the 60 day grace period was over. This notice should have came before that so I could have cured the issue and avoided these fees. 

I contacted both lenders several times and explained that I paid the mortgage on time and in good faith, that is was returned and that I disputed these charges. Their response was disappointing. They claimed that they had no duty to inform or contact my at any time as to the payments or issues with the transfer of the loan. 

I believe that both lenders has a duty to keep me informed during the transfer of any and all issues that may affect the standing of the loan. They should have a duty to make both live contact and written correspondence of these actions and let me know what is needed to remedy them. They should have process in place to deal with the situation of delinquent payments AND payments being forwarded during a transfer. They did not make any contact with my during the first 60 days of the transfer and was to their advantage. I would have been a simple fix had I received this same information in advance. 

The lenders failed to keep me informed, took actions without keeping me informed and only after the 60 day period was over did they contact me about the payments.
Go to XXXX In their TERMS IT PLAINLY STATES : APR for Balance Transfers 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

After that, your APR will be 13.49 % to 23.49 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a # 1 I opened an account back on XX/XX/XXXX. 

# 2 Balance of {$890.00} was paid in full back on XX/XX/XXXX # 3 Ready now to do another 0 % balance transfer and these scammers have removed the offer from my account. Read the above terms : It plainly states : 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

# 4 Account opened on XX/XX/XXXX. 4 months is XX/XX/XXXX. This account was paid in full back on XX/XX/XXXX and I have {$900.00} available credit to use and trying to do another Balance Transfer at 0 % for 21 months and they removed the offer from my account. SO BASICALLY, THEY HAVE BREACHED THEIR CONTRACT. I SHOULD HAVE 0 % ON BALANCE TRANSGERS UNTIL XX/XX/XXXX. 

# 5 I HAVE CONTACTED THESE SCAMMERS ABOUT THE ISSUE TO NO AVAIL. I ALSO TOLD THEM TO CANCEL THIS CREDIT CARD IMMEDIATELY AND THAT I WOULD LET THE BETTER BUSINESS BUREAU KNOW ABOUT THEIR SCAM ANDVFALSE ADVERTISING AND FAILING TO FULFILL THE CONTRACT.
XX/XX/2018 FILE STAMP XX/XX/2018, XXXX RETURN XXXX CO KS, SUMMONS, PETITION, AFFIDAVIT AND EXHIBITS SERVED XXXX XXXX XXXX XX/XX/2018 E/S I was told by the XXXX County sheriff office that there will be a warrant for my arrest if I don't show up to court. 
I explained that I can not afford to pay this bill.
This is a complaint against XXXX XXXX. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Sears Master Card - {$1000.00} They closed the credit card completely was current on payments.

Sears Card - {$250.00} They closed the credit card completely was current on payments.

XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments.

XXXX XXXX - $ -XXXX- They closed the credit card completely was current on payments.

XXXX - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open.

Home Depot - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX and XXXX XXXX.
I signed up for credit reporting with Experian not understanding that I would be charged a monthly {$20.00} fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ XXXX/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.
I am getting frequent calls from this XXXX number and it is dept collector. I have no any debt, loan or outdated credit card or any sort of bills to pay. I want to know how did such company get me number and called me. I receive similar call from other so many unknown numbers. Concern authority must take strong action to protect innocent citizens. Thanks
I received call at XXXX XXXX which is outside of the allowed time frame. I do not appreciate companies that violate this rule. 
I have a voicemail proof of their call as well.
I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]