WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint against Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to 3 weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.
My Creditors negligence ( Chase ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards  with Chase and had only been actively using 1 of them. I was logging into their website that consolidates Chase accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing Chase. I checked online, saw nothing unusual, and I then called Chase who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called chase again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that Chase never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.
XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX 
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.
In XXXX XXXX I pulled a copy of my credit report and notice a judgement was reporting, this was mind blowing to me because I knew that I paid all my bills on time and should not have any judgement against me. So I sent a certified letter to the credit bureaus XXXX XXXX XXXX, to ask them to investigate and remove incorrect account from my credit file. All XXXX bureaus responded stating the account is correct and I should contact the XXXX court because they are the ones that send over the information to them. 

I reached out to the XXXX court, they told me that they had no judgement in my name and also, that they do n't communicate or report any information to the credit bureaus. So I sent another certified letter to the credit bureaus XXXX XXXX XXXX, letting them know the response I got from the XXXX court and XXXX and XXXX responded stating that they deleted the inaccurate information. I did not get a response from Transunion, so because XXXX and XXXX did the right thing and delete the inaccurate account, I assume Transunion did the same. 
In XXXX XXXX I pulled my credit report and notice Transunion score was much lower than XXXX and XXXX score. When I look deeper i notice Transunion was still reporting incorrect judgement, so I wrote to them XXXX XXXX, XXXX with a list of questions XXXX of those question I asked, was the names of the people they spoke to, and to provide me copy of all the documentation they received from the courts as proof that whatever account they are reporting is accurate. They responded XXXX XXXX, XXXX with a generic letter stating the account is verified, with no proof of how the account was verified and absolutely none of my questions were answered.
I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of   XXXX   XXXX   for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.
On XXXX/XXXX/2015 we made a payment from our XXXX XXXX XXXX account for our student loan at SoFI. On XXXX/XXXX/2015, we paid off the total loan balance in full. Because we were signed up for auto-pay, and our autopay dates was the XXXX of the month, I requested that SoFI cancel the XXXX auto pay because the balance had been paid in full. SoFI responded that they could not cancel the autopay and that I could ask my bank to do a stop payment. I requested XXXX XXXX to do a stop payment in case SoFI tried to pull an additional payment. 
On XXXX, we received a letter from SoFI saying that our account was paid off in full and that our account was free and clear. Then, on XXXX XXXX we received and email saying that there was a {$380.00} balance due. Since then we have spoken to SoFI representative multiple times and forwarded them all of the information that they requested and yet they have not updated our account and are continuing to insistent that we owe a final balance. 
Loan is a refi for an XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX
Due to an apparent lapse in security protocols, my information along with millions of other credit customers was compromised in an illegal hack. This leaves me exposed to, among other things, identity thieves, spam, individual hacking attempts, and various other violations of my privacy. Equifax needs to be held accountable for this breach.
I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.
I have an line of credit with Bank Of America for {$370000.00}. I have never been late on any payment because they were charging me interest only. 3/4 months ago they told me my line of credit matured and now they will start billing me as 15 years principal & interest and they payment will be somewhere about {$2700.00} a month. I explained to them there is no way I can make that payment as I have first mortgage and rent is only {$2300.00} a month. I am already {$2000.00} upside down. I asked them if they can differed the loan as for 1 more year so my first mortgage will be finish and I can make the payment after that. They told me they can do nothing and I do n't make enough money to refinance. No body told me about hardship application or anything only thing they said was best thing to do is put it on short sale. I have made payment when economy was down. I borrowed the money and I want to pay it back. I just need help till XX/XX/2017 when my first mortgage will be over and I can make regular payment to Bank Of america. Now since they ruin my credit I ca n't even go and get any refinancing done at all. Please look at my payment history I have made good on my loan all this time even when economy was really bad. I do n't want to ruin my credit and I do n't want that I did n't make good on my loan on my conscience. Please help me fix this issue. It seems people who were good all thru the bad economy are getting punish for being good.
I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.
I had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point  XXXX   XXXX  noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.   I have been attempting to resolve this matter for over  2  yrs. and have constantly been given the run around, with some of the  XXXX   XXXX  responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers  may  have changed after the  XXXX  acquisition - you ( me ) didnt send in the correct loan number - old records  may  have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the  XXXX   XXXX  representative  XXXX   XXXX   (   Executive Resolution Specialist  ) referenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet.  2  weeks ago I physically went into a  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX ) where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR  XXXX   XXXX  LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by  XXXX   XXXX
XX/XX/18 My fiance calls XXXX to see what their prices are for a home security system. He gives them my name, address, and birthdate ( does not give my SSN ) so that they can do a price check. They asked him if they can run my credit. He said NO and didn't complete the call with them. Didn't think anything of it. 

XX/XX/18 I see that a credit check from " XXXX XXXX '' has shown up on my credit file for Equifax. I don't even know what that is. I do some research and figure out that it has to do with XXXX. I call them immediately and speak with customer service. I tell them that I never authorized them to check my credit, so they need to get the inquiry removed. The first rep laughs and says there's no way to do that. I ask for a manager. The manager says there's no way to do that. I ask for his manager. That manager says I need to address it directly with Equifax. 

XX/XX/18 I finally figure out how to file a dispute with Equifax online, so I file it as " Unauthorized inquiry on my credit file ''. 

XX/XX/18 I get a response back that my dispute has been completed. I try logging in to their site, but am unable to do so. 

XX/XX/18 I call them and speak with someone in the disputes department who tells me that my dispute has been declined and that the only way to get it fixed is to contact the company that ran my credit directly. To which I replied that I already had. I asked to speak with a Manager because I didnt like his answer. His Manager gets on the phone ( her name is XXXX and she refused to give me any identifying information even though they asked me for 30 pieces of identifying information to even discuss my file with me ) and she tells me theres an internal process that the other company can complete to get the inquiry removed. I ask her what the process is so I can call XXXX and walk them through it, to get them to remove it. She tells me she doesnt know the process and no one does and that theres no further info. Then she tells me shes a supervisor and I ask ( AGAIN ) to speak to a Manager to which she responds : I cant transfer you to the manager because Im the last line of the escalation process. She refused to assist me any further.
I am disputing XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XXXX at the same ATM while I was XXXX card company has proof that I was XXXX  and still has not refund my money I have made a police report with the local police and they're investigating
XXXX appeared on my credit report as an inquiry on XXXX, Immediately calling them, I was advised that there is an account In my name with an active balance. I asked to have the account closed and marked as fraud and was advised that literature will be sent to me in the mail, I provided them with my address, as of yet I have not received anything from this company and they will not assist with rectification. I am unsure of how to prevent my credit from being damaged. The company name is XXXX XXXX.
I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late
I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???
Experian is in violation of FCRA, and has FAILED to provide PROOF for it 's actions. 

According to the Fair Credit Reporting Act, credit grantors with a 'permissible purpose ' may inquire about credit information. 

The credit report by Experian contains a section of " Requests for credit history inquires shared with others '' which has the name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT AUTHORISATION or PERMISSIBLE PURPOSE:1. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXAs one can see, the Comments Section for these inquiries state " Unspecified. This inquiry is scheduled to continue on record un- til XXXX 2016. '' Even though, neither does the mentioned companies or Experian have the permission to do so. 
Experian needs to explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.
I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.
Discover card will not mail me a year end statement. I also need last years statements for taxes. They said I could sign in and print it. I can not sign in. I called them 3 times. They will not mail it like other cards. I cancelled my cards. They XXXX.
Paypal does multiple calls everyday in order to collect a debt before its out sourced to a debt collection agency has called 4 times today then when I brought up how many times a day theyve called it was simply your state law allows 6-10 calls a day along with that anytime I look up the number called by ( ( XXXX ) XXXX ) it comes up as scams so could not be even PAYPAL.
For over a year I been I contact with XXXX XXXX  customer service train to resolve the residual payment for my insurance company from hurricane Maria 2016 and I have resolved any thing every time I call they give me a different history, the home repair all ready pass the inspection 100 percent and they dont want to give me the XXXX, please I will like to ask you for help. My loan number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX XXXX XXXX phone XXXX. Thank you.