WillisBack/dataset-financial-user-claim huggingface dataset:
I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address. 

I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions. 

I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited. 

Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute. 

TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft. 

Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.
XXXX XXXX has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until XXXX just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and XXXX XXXX never notified me prior to the " charge-off ''. I noticed the problem on the Experian website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with XXXX XXXX but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The XXXX representatives forwarded me to their XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.
I was charged 2 over draft fees and my account was not over drawn the 2 fees where charged to my account on XX/XX/17
I tried to obtain my free annual credit report on annualcredit.com and was asked questions about a mortgage and credit cards that are n't mine and was denied my online credit report.
I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!! 
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time. 
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.
Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXX XXXX. I was in because I was 1 of the 300 top wage earners in the maintaince dept. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX  XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's XXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still Equifax for sure and maybe others. I haven't even been able to look at Equifax becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple  credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
I attest that I am XXXX XXXX, and I am the author and owner of all information placed in this dispute. 

The XXXX XXXX account on my record, is not mine. I never opened an account with them, received or activated a card, or - established any credit line with this company, Equifax updated this account with verbiage that says the following, and on XX/XX/2015 - " Consumer disputes after resolution " I am, and never have been the owner of such an account, and therefor, and again dispute this tradeline for it is wholly innacurate, This is the second dispute with EQ, and for each failure to respond to the issue brought to them and clearly spelled out and not acted on, there is an allowable financial penalty for each incidence, in the courts, available to me. 

XXXX XXXX should be contacted directly, to verify the same. 

1. I hereby request a method of verification, specific to how this account is/will be verified. I am entitled to a contact name, address, telephone number or other identifier, in which EQ has or will verify this account and its ownership. 
2. I also request, that this tradeline be deleted. 

As per the FCRA, this item must be deleted.
I received a student loan from XXXX XXXX XXXX of XXXX in XX/XX/XXXX for XXXX. It was my XXXX year and I had run out of money to attend and exhausted all of my choices. I was told by the school that I would be able to roll this loan into my XXXX. Also, the rep from XXXX stated that that would be the best way to handle my loans. Well, I graduate, start on the paperwork and found out that I can not do this. What really caught me off guard is that this loan is basically treated like a credit card, with a variable rate. I am XXXX years old, divorced with a child ( XXXX years old ), and XX/XX/XXXX is my payoff date! I do not know what to do. I 'm trying to by a home, but need to take care of my family. The job I have does not even come close to paying my loans off. I do work for a XXXX and have over XXXX years in the XXXX. I qualified for loan forgiveness on my XXXX, but not on my private loan. I did not even know I was receiving this type of loan. Any help or advice would be appreciated.
I am part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft breach.
The XXXX XXXX claimed for {$310.00} current balance in my name but I never had a XXXX XXXX credit card and never used it.
I have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.
On XXXX XXXX, XXXX, I received a call from a caller labeled " Unknown Name '' XXXX. The caller stated he was from a collection agency, and he was fumbling and unprofessional, which made me immediately suspicious. He then stated that I was in default on my student loans and they knew where I worked and would resort to garnishing my wages if I did n't pay. I stated my student loans were all current and I have no loans in default, and that I had successfully completed a rehabilitation program to get my loans back in good standing, and I have made on time payments for the past 6 months. He was insistent that I was in default to the amount of {$16000.00} I knew this to be incorrect and stated i 'm not paying anything, and if wants me to do anything I needed a written statement from his company to compare with my own records. He asked if I would call him back, and he stated they closed at XXXX, which struck me as VERY odd, as most agencies are open into the evening to accommodate people and their work schedules. Yesterday I received a letter from Allied Interstate LLC, XXXX, XXXX XXXX, XXXX MN XXXX. They are asking for {$16000.00} for a loan whose total balance is only {$10000.00}. It 's as if their information is 3 years old. I suspect the entire thing is a scam and they are not legitimately associated with XXXX, the company that services my consolidation loan.
In response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX  dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX
i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this
In late XX/XX/XXXX or early XX/XX/XXXX, I submitted to the XXXX County Tax Office {$6300.00} to cover my XX/XX/XXXX property taxes. As a new refinance and first time I had taxes/insurance paid out of escrow. When I noticed where Flagstar had just paid those taxes as well, I contacted the XXXX County Tax Office for a refund. However, they had just sent back the " double payment '' back to Flagstar. 

I contacted Flagstar immediately ( 1XX/XX/XXXX ) and they took information over the phone. I also corresponded back to Flagstar again on 1XX/XX/XXXX about this refund. ..still no refund as of XX/XX/XXXX, so I called the escrow department and talked to XXXX. He told me that Flagstar would have a run an account analysis on my account and issue any refunds after that. He stated that the account analysis would be done sometime in XX/XX/XXXX. He said that this is the same procedure that Flagstar does for any customer. 

I stated to XXXX that Flagstar runs the analysis on customer 's accounts prior to a customer sending in lump sum payments or having their loan payment altered, so, no this is not the same process since they are holding in escrow this additional {$6300.00} that should not have any bearing on running an account analysis on my account. 

I also asked XXXX if Flagstar was going to pay me interest on these funds that they have " held in their account '' for nearly 90 days. His answer was no. 

I believe Flagstar Bank is practicing deceptive trade and I would think they must legally pay me interest on those funds when these funds are simply excess funds I requested back as soon as the XXXX County Tax Office submitted the funds to Flagstar Bank.
I filed a dispute with Equifax over several hard inquiries that I knew nothing about that all happened on a single day. When I was notified the dispute was over I went to see the results and was presented with an error that my information did not match their records. 

I called equifax and was told that I needed an " equifax service '' to recieve immediate help otherwise the department that could help was closed. I asked how I could get the service and they all cost money. Basically they wanted me to sign up for their service or they refused to help. 

My 10 Digit confirmation number for the dispute is : XXXX
My credit was compromised by Equifax with their breach. I put a freeze on my credit report to avoid any further issues. I have been trying since XX/XX/XXXX to unfreeze my credit so my mortgage company can do a soft pull to close my mortgage. ****my furniture has been on a truck since XX/XX/XXXX and myself, children and pets are staying at a friends. 

First Equifax unfroze on-line request processed. Mortgage company pulled and it was still frozen. Called Equifax they said they couldn't find me in the computer and that I had to fax in identifying information. Faxed on XX/XX/XXXX - was told it took 48 hours to process fax. Called back on XX/XX/XXXX told documents couldn't be located. Called again on XX/XX/XXXX ... still can't find documents. Called XX/XX/XXXX and talked with supervisor he reviewed faxed documents and said my credit freeze was lifted. 

XX/XX/XXXX mortgage company tried soft pull - still frozen. 3 calls later was told freeze permanently removed. Mortgage company soft pull again - still frozen. After 1 hour 28 minutes and 2 supervisors ... .told 3 to 5 days ... TOTALLY UNACCEPTABLE. I proved my identity and credit should be unfrozen. Have faxed documents 7 times and called at least 4 times a day .... 

EQUIFAX breach is causing me issues after I have followed all of their instructions ...
Someone from Professional Debt Mediation ( PDM : XXXX ) has called me twice now, wanting to verify the last XXXX digits of my SSN.They had the correct numbers, but would n't tell me what the " concerning matter '' was they were calling about till I verified it, which I obviously refused to do. I do n't have any standing debt except with my bank and student loans, so there 's no reason for them to be calling me. They also contacted my father trying to verify my information. I feel threatened and concerned they have my personal information.
I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in  Spanish with a Spanish-speaking housing counselor.      On  XXXX   XXXX ,  XXXX , the consumer filed a complaint with the Maryland  State Attorney General 's Office.      The consumer, who lives in Maryland, first sought assistance from the  Director of a company called  XXXX , to s ubmit a loan modification request  to M & T Bank, the  lender that originated the consumer 's home loan. By  XXXX   XXXX , almost  XXXX  months later after the consumer first met with  XXXX  staff,  XXXX   XXXX  from  XXXX  called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year.    XXXX   XXXX   director  of  XXXX  stated that the consumer needed to make those deposits in cash specifically every  XXXX  weeks. In order to qualify for the modification. When the consumer first met with  XXXX  staff, he asked specifically if he could qualify with a current income of {$16000.00}, and  XXXX   staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do.     The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com  pany ) were the experts in this subject matter.
As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to    reapply again with the right information, the bank did not believe the consumer.   When the first modification application was denied,  XXXX   XXXX  advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named  XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud.     This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and  has been denied.