WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.
I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.
I have been banking with National Bank of Airzona for a few years now, however only this year have I had trouble checking my account balance, balance on credit cards and making payments. When I call in, I am told that they can not vverify who I am and that I can not get any information about my accounts including balances or making payments to loans or credit cards. 

I tried to explain that i am XXXX and that I can not read the security code on the back of my card and they are unwilling to accept the pin code that rhey send over my land line phone even if I get it correct. 

Simply going to the local branch each time to complete a simple balance check on my account or making a payment on a loan is unacceptable. There are no other procedures in place to verify who I am. This is a blatant violation of the Americans With Disabilities Act.
XXXX is reporting to equifax monthly since XX/XX/XXXX of an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXX I  was made aware of the XXXX account and several other accounts reporting to my credit report but only to equifax. All of the accounts that did not belong to me was from one individual however its only showing on equifax report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both equifax and XXXX and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. Equifax is blaming XXXX  and XXXX  is blaming equifax. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Signed up for an income driven repayment plan but was not told that I had to pay my late fees first before I could start the plan. I asked numerous times if my payment would be the agreed upon amount and was assured everytime it would be. When the bill came due, it was {$80.00} higher because of the fees.
This is XXXX XXXX US bank Custormer. 

1. My friend, XXXX XXXX XXXX, sent money ( {$1700.00} ) by international wire transfer for me from XXXX XXXX XXXX, XXXX to US bank on XX/XX/XXXX 2. However she provided wrong Beneficiary A/C No. along with my full information to XXXX XXXX XXXX. So I could not receive any fund. My A/C No is XXXX and wrong A/C No is XXXX. 

3. In this regards, I confirmed there is A/C mismatched, and My friend requested XXXX XXXX XXXX to return the fund from US Bank. 

4. US bank replied to XXXX XXXX XXXX, XXXX by XXXX message as of XX/XX/XXXX as following ; " Be advised. We are unable to obtain debit authorization from XXXX. 
So we have to deny your request. Please have remitter contact the XXXX directly to settle. We close our case '' 5. Even the wrong account holder is NOT match the Beneficiary information such as NAME, ADDRESS, and PHONE NUMBER.
Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.
XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.
This creditor is using intentionally deceptive practices to keep you from paying the bill There is no way to login into account without the actual credit card but no credit card was ever sent to my home Since I did not receive any statement, I called XXXX XXXX XXXX who led me to the credit card agent who informed me my account was overdue. 

The agent said the overcharge fees would be refunded, but they were not The statement closed 22 days after the first purchases were shipped even though the terms were 30 days. 

There was no way to open a payment because no billing statement was ever sent ( you need the account number to login to the email/online payment center ) A notice was sent in email using an unusual name not matching the credit card name : " XXXX XXXX Credit Card '' was opened Synchrony was emailed. This was intentionally made to look like spam as I had no knowledge of any business with Synchrony Bank I requested a mailed statement of the first bill which arrived after the second billing statement closed causing another overdue fee I had two overdue fees before I ever was given an account number. The account number was needed to pay online. 

This company is fraudulently delaying and complicating the payment process to intentionally cause overdue fees.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX
I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?
To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX
I had enrolled at XXXX XXXX College for  the fall semester of XXXX, taking 1 class. Less than 1 week into the class I received notice from my employer that my position would be terminated. With that in mind, I dropped the class I was enrolled in. I dropped the class on XXXX XXXX, XXXX - the deadline for dropping a class and receiving a full reimbursement ( or a {$0.00} bill if tuition had not yet been paid ) was XXXX XXXX, XXXX. I was very careful to check these dates. Around 6 months later, despite having received no correspondence from XXXX XXXX College regarding an outstanding or past due balance - I find that they have turned the matter over to a debt collector for {$450.00} - despite there being no debt or charges of any kind. Contacting the school got me nowhere, they could confirm the dates I enrolled and dropped the class, but could not confirm the deadline to drop a class with no financial obligation coming back to the student. The information was *still* present on their own XXXX website. I have disputed the debt with the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and each time their response has only been to state " Meets FCRA Requirements ''. 

XXXX XXXX College has verified what dates I enrolled in this class, and what date I dropped the class. They say they can not verify what the deadline was to drop classes in that semester with no financial repurcussions. If they can not verify that date, how can they verify the debt is valid?!
In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.
I disputed the incorrect information on my credit file including the address and account in 2010 for XXXX that i does not belong to me now they not only am i constantly disputing i never grt more then its correct no documents to support their investigation and now dropped my credit score by 73 points while its in investigation this is cause great distress on my credit
XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers. 

I have been disputing incorrect accounts on my credit report since XX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXX when this unauthorized and breach happened in midXXXXXX/XX/XXXX XXXX  confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.
I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.
I have an account with Coinbase, a  XXXX   XXXX -based   XXXX   trading platform. On  XXXX   XXXX  , 2017, I   sold {$790.00} of  XXXX  from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of toda y (   XXXX   XXXX ,  2017 ), I h ave still not received payment.   I have tried contacting Coinbase via email and telephone multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions.   I need the money and  Coinbase is  profiting from the float. Please help!   Thank you.