WillisBack/dataset-financial-user-claim huggingface dataset:
A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.
This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX
I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and XXXX years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?
I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, Transunion and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these   XXXX    accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.
I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX
My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance
The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.
XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX  and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX  who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car.

Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.
I been disputing this account on credit reporting since XX/XX/2018, I have constantly try to explain to Diversified Consultants and the credit bureau that I never had cellular service with XXXX. I was with a company name XXXX for 17 years until they left this area, then I went with my present company ( XXXX XXXX XXXX ) been with them now 4 years. I have disputed this account continually with both Diversified and the reporting credit bureau and they keep tell me that the account is being verified. I asked for copy of any viable evidence, bearing my signature or any trace or payment I made to this account and neither company could not show any proof
XXXX XXXX/XXXX XXXX XXXX XXXX  continue to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
XXXX/XXXX/XXXX ... attempting to freeze our credit after XXXX XXXX security issues, I was directed to their website where upon after signing up, found out by freezing my credit with TransUnion, I was also signing up for their credit monitoring at a charge of {$19.00} per month. Realizing what I had done, found on checking, I could opt out of credit monitoring, HOWEVER I would still be charged the {$19.00} charge and the credit freeze would only continue through them for a month after which I credit would become unfrozen. On checking my credit card with XXXX Bank, I found that the charge each month is recurring. It seems impossible to reach anyone by phone or email to complain.
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt  was   XXXX   XXXX   XXXX   XXXX , and they appear to have sold it to Kansas Counselors, account was opened in  XXXX  therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX AND THEY TOLD ME THEY WOULD RENT OR ADVERTISE MY TIMESHARE I PAID THEM ON XX/XX/09 XXXX WITH MY CHASE VISA CREDIT CARD. I NEVER RECIEVED A CONTRACT UNTIL XX/XX/09BUT I CALLED BEOFRE I RECIEVED THE CONTRACT TO CANCEL AND I WROTE THEM A LETTER AND THEY NEVER DID AS I REQUESTED AND NEVER RESPOND TO CALLS OR ANYTHING. I BELIEVE THEY ARE A SCAM AND WHEN I LOOKED UP ON THE INTERNET THERE ARE MANY COMPLAINTS ABOUT THIS SAID COMPANY ABOUT JUST TAKING PEOPLES MONEY AND NOT FOLLOWING THROUGH WITH WHAT THEY TELL THEM. PLEASE HELP ME GET MY MONEY BACK I LIVE ON A FIXED INCOME AND MY HUSBAND IS IN A XXXX XXXX. I NEED MY MONEY BACK. THIS HAS BEEN A BATTLE FOR AWHILE NOW. PLEASE HELP ME
Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections
This collection agency, which is no stranger to paying millions in settlements to the FTC for their debt collection practices, is continuing to call me, using a caller ID spoof so it does not show their true phone number. 

I have demand they cease and they refuse ( which is not surprising ). I am filing a federal lawsuit under the FDCPA and TCPA on the next call.
XXXX XXXXXXXX XXXX is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called XXXX XXXX and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information XXXX XXXX are throwing on my credit report.
As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.
I have disputed inaccurate information multiple times with XXXX, Equifax XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
On a regular basis, annually, I get threatening correspondence regarding my mortgage with OCWEN LOAN SERVICING, LLC. XXXX last case was # XXXX XXXX which was only resolved with the help of CFPB!! THANK YOU ) I have been up to date with " all '' my XXXX payments! 

Again, on XXXX XXXX, 2017 I received correspondence, dated XXXX XXXX, 2017 from this company, that my XXXX 2017 mortgage payment is past due. 
I have paid the full amount of {$1400.00} ( interest and principal ) on XXXX XXXX, 2017 by 'CERTIFIED MAIL ' which according to the XXXX was delivered to them on XXXX XXXX, 2017 at XXXX. My XXXX 2017 payment was the forty-ninth ( XXXX ) payment I have made to OCWEN, who bought the mortgage years back from XXXX BANK.
When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.
To Whom It May Concern, On XX/XX/19 I received a letter from Radius Global Solutions, a collection agency in XXXX, FL, on behalf of XXXX XXXX XXXX. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to Radius on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through XXXX to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from XXXX stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that XXXX had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called Radius on XX/XX/19 to find out what as going on and they indicated that this was coming directly from XXXX. After calling XXXX to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get XXXX to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that RADIUS GLOBAL has been great to work with. My issue is only with XXXX XXXX XXXX XXXX! 

Best regards, XXXX XXXX XXXX XXXX Radius Global Solutions Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
{$260.00} dollars was charged to a debit card by navient, when the card number had never been provided by myself or my wife. We are concerned that a private company is allowed to charge a debit card with no agreement, and without either myself or my wife giving consent to charge a debit card. We have never provided either our debit card number, bank account or consent to charge any account of ours.