WillisBack/dataset-financial-user-claim huggingface dataset:
I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Was given a gift card by daughter for JC penney hair salon, XXXX Oregon {$40.00}. Had my hair cut XX/XX/2019. Charge was XXXX, had them give the other XXXX as tip along with XXXX cash. They took the gift card and are now billing me for {$40.00} for hair salon services on my credit card. At no time were they even told or shown my credit card with JC penney. Should not have even known I had one. Have reported and am getting no response as to them taking this charge off my statement. Looks to me as if they kept the {$40.00} gift card and pocketed the money and now billing me for {$40.00}.
I checked my credit report recently and noticed that my student loan balances are not going down. They are in fact going up, and this is after they changed my repayment plan, and increased my payment by over a {$100.00}. ( it has continued to increase since then ) I would expect my balances to get lower after that. I had to do a lot of juggling to work the increased payment into my budget. Here is the payment history for the last 24 months. 

You can see starting XX/XX/XXXX all my payments are going to interest. This company is ripping me off. I wish I would have seen this earlier. 

Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$140.00} - {$220.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Adjustment {$57.00} - {$57.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$460.00} {$0.00} - {$460.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$12.00} {$0.00} - {$12.00} XX/XX/XXXX Payment {$0.00} - {$480.00} {$0.00} - {$480.00} XX/XX/XXXX Adjustment {$0.00} - {$21.00} {$0.00} - {$21.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00}
I have been harassed by phone from a collection company for XXXX XXXX. This company is called Weltman, Weinberg & Reis co from XXXX XXXX Oh. Not only do they harass myself the Harrass my parents. We had no idea the loan was in default never contacted until XX/XX/2018. At which they demand full payment. I asked for options they advised undoable options. They also are suggesting to how I should pay the loan by taking on more debt with loans. The continue to call sometimes over 20 times a day. Not willing to work with me when I had no idea they were even buying my debt from XXXX.
I originally contacted the debt collection company XXXX in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
On XX/XX/XXXX, Equifax announced that a " cybersecurity incident '' compromised confidential information including social security numbers, birth dates, addresses, drivers license numbers, and credit card numbers for approximately 143 million U.S. consumers ( or roughly 66 % of all adult Americans, as I understand it ). 

After checking with Equifax, I have learned that my information was compromised. 

This " cybersecurity incident '' was discovered on XX/XX/XXXX, and the company allowed over a month to elapse - a month during which my social security number and a handful of other identifying information could have been used to impersonate me - without notifying me in any way ; then when they did notify the public it was through a general message on their website with no direct contact to let me know that the press release had been published. If it were n't for traditional and social media, I would not have even known that my identity had been compromised well over a month ago due to the negligence of Equifax. 

Again, despite having access to my address, to multiple phone numbers, many ways to contact me, Equifax decided to say nothing publicly for over a month, and then to issue a public statement with no way of me knowing that the statement was made if not for third parties. 

Equifax has offered a free year of credit fraud monitoring, but frankly this is not a solution. My identifying information can not be recovered, and I will still be at risk for far longer than Equifax is willing to monitor my information for possible fraud. To ensure that my identity is secure after the one year, I would have to enroll in a paid program - effectively rewarding Equifax with my business for its negligence.
Dear sirs : I have used XXXX for buying and selling XXXX for over a year. For no apparent reason I have been shut out for over XXXX months now. Can not buy or sell, or get my money out. When I try to buy or sell a note comes up saying I need to provide more identification information. Yet, after re-loading my drivers license several times, and receiving an email from XXXX saying " Successful ' the orange XXXX note keeps coming up XXXX more identification '. My recent letter to XXXX is attached in this complaint. No response from Coinbase re my letter or anything. 
I WANT MY MONEY BACK!
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. The accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes. 

Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XXXX XXXX? 

In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records that were sent post " XXXX XXXX reconciliation audit. '' Question 2 : Why was the XXXX payment erroneously applied to the wrong date in our account? 

Question 3 : Why were the reconciliations of our account ignored? 

Question 4 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default? 

A document is attached containing our payment history of our account with Beneficial ( Beneficial provided this document to XXXX and XXXX has asked that Beneficial provide an explanation. ) We need clarification on the following : See attached for remaining complaint information.
Went to XXXX XXXX XX/XX/2017 paid the amount owed the doctor said come back 7 day later there would be no charge this collection agency is puttin false charges on my XXXX XXXX XXXX credit reports I done went back to XXXX XXXX  they said there was no charge this collection agency should be fined by the federal government + they are putting medical information in credit reports
In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.
I have disputing some incorrect information on my Experian credit report 3 time on report number XXXX and XXXX and XXXX each time I received a response back in 2 weeks. Each time the failed to properly investigate and sent back items were updated. I have read and followed FCRA to get an proper investigation but, I have failed to get a proper investigation. My 1st letter I sent in asking under FCRA section 609 ( 5 ) ( A ) to delete all unverifiable information that was discovered on my credit report. The second letter I ask under ( 609 Disclosure to Consumer ) My file documents Experian used to verified my accounts. They have failed to correct after 2 attempts. This is a voilation of The FCRA.

The 1st error is my XXXX XXXX account they have it listed as a charge off account. This is an error XXXX  is reporting it correct as a apaid as agreed account. I dispute this with the furnisher and they email me back stating that is not a charge off account. I have been trying to get Experian to correct this mark. I have attached the email XXXX dispute department sent me to prove this. I sent this email into Experian and Experian refused to correct. 2nd dispute XXXX XXXX XXXX they are showing a 30 day late payment in XX/XX/XXXX i disputed this error. Now XXXX XXXX and XXXX all reporting no 30 day late payment. I sent copies of the other credit reports and show you are the only credit report showing this late payment. They still have not changed the status. 

The 3rd error is XXXX XXXX I am disputing this account and ask for my file Under 609 Discclosures to Consumer asking for file to verify this account. Experian sent me back saying updated all Experian did was move the charge off date from XX/XX/XXXX to XX/XX/XXXX just shows they are not properly investigating any information on my report. 

The 4th and last item XXXX XXXX this is an error again I ask for my file disclosures they used to verify this account they have failed to do so. How does the cunsumer get the credit reporting agency to investigate your information. I ask Ask them to remove an address I have never lived at a PO Box address they refused to remove. I askThe are not suppose to be parroting information but do an investigation to make sure they are reporting correct information. Please help in this matter
I have enrolled in Navient 's rate reduction program. Being that this is my 3rd year on the program, I know how it works. I have confirmation of my enrollment in the program. In checking my account, I have found several times that my loans are past due. This should not be the case as the rate reduction program calls for automatic withdrawals. In calling Navient to express my concern, I was told that one of the loans was left out of the lineup when I enrolled in the program. However, that is a company issue, not mine. Navient gives no notice that something is awry with a person 's account, and holds the customer responsible for THEIR mistakes. A loan is something that can affect credit, if my loans are past due, without MY knowledge, that can certainly affect my credit. As the customer, I should not have to call and check behind a company. If you value your customer 's, you will make sure they are satisfied. I have done my part in enrolling myself back in the program, and Navient makes excuses about not doing their part. I should not, and will not, be made to pay late fees on loans that I confirmed were in enrolled in the rate reduction program.
In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XXXX ) to Weds ( XXXX ).
Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.
On XXXX XXXX, XXXX at XXXX, I tried to purchase a movie ticket using my debit card but the purchase did not go through. I went ahead to check my account through the app on my phone to see what was wrong and if I was being charged either way, instead there was a message from Wells Fargo telling me that my account was frozen and in the process of being closed and the only reason I was given was that this was a business decision ; I was also told that the funds in my account totaling {$2700.00} was going to be held on to and may or may not be released by XXXX XXXX, XXXX. I found this really confusing so I headed to a nearby branch to clarify things but I still could not get an clear reason behind this occurrence or what exactly the business decision excuse meant ; there were claims of fraudulent activities on my account with no evidence to support the claims. I returned to the bank the next day XXXX XXXX, XXXX at XXXX to see if I could somehow gain access to my money because I was so confused at to what to do because Wells Fargo literally put my life on hold because of a business decision?! I got to speak to a someone there regarding my situation and demanded printouts of the last six monthly statements, I also spoke again with the person I met yesterday but I still could not get a clear answer and still was not allowed access to my funds. I was being treated like a criminal and I did not know why. They both suggested I get on the phone with their loss prevention customer service department and the first person I spoke to kept taking me around in circles. I asked why I couldnt get access to my money and I was told there was a hold on my account ; asked why there was a hold on my account and I was told that the bank was ending their relationship with my because it was no longer mutually beneficial ; I asked for specifics and I was told the bank had made a business decision to close my account ; I said that was fine but can I get my money, I was told no because I had a hold on my account and I was put through this frustrating circle over and over till I asked to be transferred to someone who could give me answers. Whoever I was transferred to gave me the same routine answers until whoever I was talking to eventually hung up on me for trying to get answers. Wells Fargo has put me in a really tight position as I have no way pay my bills or do anything.