WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian.
EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
XX/XX/XXXX : XXXX performed a hard inquiry on my Equifax credit report without my consent. On XX/XX/XXXX I received a credit alert via text message. I contacted XXXX on XX/XX/XXXX at XXXX. I told the representative I had an inquiry on my report even thought I did not apply for service. I was told it was due to debt collection and associated with the previous user. I informed them that I have had the phone number since XX/XX/XXXX. I was told the inquiry would be removed. It has been nearly two weeks and the inquiry is still on my report.
I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. 
On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. 

I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. 

After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. 
I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here :
I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before XX/XX/XXXX.
This complaint is about LoanCare stating that they could use my escrow account to pay a tax invoice that I had received, and then take 2 months with my calling numerous times to then tell me that they are n't responsible for it or the late fees. I had received an invoice from my property tax assessor in XXXX of 2017. I was advised that my loan company was supposed to pay these from my escrow account, so I contacted LoanCare customer service center on XXXX/XXXX/2017 where I was advised to send the invoice by email. I immediately sent the email. A few days later, I received an email saying that the tax department was reviewing it and would get back to me. I did not hear back from them before the end of XXXX, so I called again and was told that they were handling it, and that the report had been expedited, and that LoanCare would pay the taxes, and I would be contacted shortly. I never heard anything, so I contacted them again in XXXX 2017 two more times, and was told that the report had been expedited again, and that they were n't sure why the payment was held up that they would follow up. I still did n't hear anything from them, so in XXXX 2017, I contacted XXXX, a manager, who said the same thing, and when I stated that I was concerned about the late fees, she assured me that the Loan Care would cover the late fees since they were their fault. I still never heard from them, so I contacted them again on XXXX XXXX, 2017 at XXXX XXXX, and got XXXX, who again said that he would 'expedite ' the process, and that he was n't sure why the payment was held up, but could n't get anybody to help me because they were gone. On XXXX XXXX, 2017 at XXXXXXXX XXXX CST, I called again and was put on with XXXX, another manager, who said that she was n't sure what was the issue, and that she would be in contact with me by the end of the day. I called back 5 more times between XXXX XXXX and XXXX CST, and was able to get back in contact with her. She did n't remember me immediately, but was able to find my information. She said that she had been in contact with someone, and said that they were n't paying those taxes, because they were supplemental taxes, and there was n't any money in the escrow account for it. Then, I asked her about the late fees, and she stated that they were my fault for not paying the taxes. I would have just paid the taxes when I got the invoice in XXXX and before the late fees had I known that they were n't paying them, and they would fall on me.
I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?
I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 . All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.
I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016
A letter of dispute was submitted to Experian on XXXX XXXX 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided A letter of dispute was submitted to Experian in XXXX, 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided Experian proof and copies that the account was paid in full. XXXX sold my collections account # XXXX, to XXXX. XXXX is still showing on my credit report with Experian. Both XXXX XXXX XXXX XXXX and XXXX are attempting to collect payment on the same debt. I have provided proof on two occasions and Experian fail to remove XXXX from my credit report. As a consumer disputing information on my file and providing the proof or evidence of the said account, Experian should remove this account from my credit file.
I closed down my Capital One credit card but they failed to tell me that interest would accrue. After I closed down my account I checked my credit report and saw I was being reported late for the last 6 months. They told me it was closed, they never told me about 'daily interest ', therefore it kept reporting as a late payment. I should not be held liable for these delinquencies and these derogatory remarks should be removed off of my credit report immediately.
I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.
in XXXX OF XXXX started looking for a building to put my life long dream of opening my own XXXX XXXX  my loan officer was XXXX XXXX worked very hard an on to get my loan closed after a lot of hard work my SBA ; loan was approved by XXXX XXXX on XX/XX/XXXX from us BANK. XXXX XXXX XXXX  Left the bank in early XXXX That 's when my troubles stared the building I was sold for cash. I had to restart the loan with SBA XXXX XXXX XXXX stated dragging his feet every time I give him paper work he all would ask for more ask for more he lie so many times I lost count : after working with him to close my loan : he came to my home sat at my table to go over my last loan papers he sad they ready to close : we had been working on them for about six months after all the late nights long hours he stated you ready but you just one more form to fill out ; two days later he called Stated we have some bad news back in XXXX you filed chapter XXXX but just write a letter tell them just what happen : he called the next day stated that they will not closing on my loan!!!!
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
On XXXX XXXX, XXXX my bank account was debited {$600.00} twice from Toyota Financial. I called and they informed that I made a payment online on XX/XX/XXXX and again on XX/XX/XXXX both for {$600.00}. This was MY error ... however I don't remember doing the payment on XX/XX/XXXX. They said they were only able to return one once they finish processing, then I would get a check in the mail in 7-10 business days. I told them I would call my bank and place a stop payment, which would return both payment, then I would schedule another one. I did just that, and I received an email confirmation that my new payment was scheduled ( Confirmation number XXXX ). Today I go to pay my XX/XX/XXXX payment and its telling me I owe them more than {$1600.00} by XX/XX/XXXX. They never applied my payment from the end of XXXX. I called to find out what was going on as I have received no email, phone call or any communication that I am past due. The first woman I spoke with told me I was on a DO NOT CALL list ... I NEVER told them to add me to that list, I asked how that happened and figured that is why they didn't harass me after my payment was late. She said she can not tell me, I asked for a manager, she told me they can't help and continued to talk over me, I didn't even get to my questions, she had me on hold and I wound up hanging up 13 minutes into the call because I was unable to continue to wait. I called back and the next rep tells me she had no record of the payment I have the email confirmation for. She also told me my {$600.00} payments were returned NSF, which is also not true, they were returned due to the stop payment, which I told the rep back in XXXX I would be doing. Now the company will not let me make a payment online, I have to call, I am unable to use my bank account and they are unable to find that payment so its on me. I MADE MY PAYMENT. Its reflecting I am 33 days past due now which will reflect on my credit eventually and now I will have to go through the hoops to dispute this. My issue is my credit and the fact that SOMEONE added me to the do not call list without my permission. Had I received a call, I could have fixed this right away. I need to know who did this to my account and also WHY the payment I have an email confirmation for did not go through and doesn't reflect online. I also want the ability to pay my car loan online back.
I got a loan last year and I have refinanc ed over 3-4 times  to build my credit instead when I paid on time it knocked my points down my vehicle broke down and I lost my job I explained to them I can male pay ments when I get my disability check they have   called me 5-6 time s a day including after hours from their cell phones they harassed me so much I had to deactivate my cell phone this went on even after I made a payment now they are harassing my references. They we 're completely rude on their voicemails also
I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.
Around XXXX my wife took out a HELOC against the house we moved into. She took out this loan prior to us being married and my name was never on the original loan agreement. In XXXX she passed away. I've continued to pay on the loan through present day but never switched the loan to my name. Around XXXX I took out a second HELOC loan with Capital One in my name for the same property with no issue. At some point in XXXX, I tried to contact Capital One about the original loan in my wife 's name because the monthly payments had jumped from around {$250.00} to about {$700.00}. At that point, Capital One told me I would need to provide an executor letter in order for them to discuss anything about the loan with me. I did not have an executor letter because there was no will. I provided them with my wife 's death certificate, our marriage license, and a copy of the deed that shows my name on the deed, and still they insist on an executor letter. When speaking with attorneys about the executor letter it was explained that getting that letter would require going through the probate process and would involve lots of time and money. I did not have the time or money to go through that process so I continued to pay on the loan. I did discover on my own that the reason for the increase in payments was because the original payments were interest only payments and the new payments are now interest and principal. In early XXXX I tried to refinance the loan with another company but in the end Capital One refused to provide the payoff amount because the loan is not in my name. I wasted a bunch of time with the refinance process due to Capital One refusing to provide the payoff amount. Recently, I was asked if I ever tried to assume the loan. This had never been presented as an option in all my discussions with Capital One. When I asked Capital One about it I was told since I no longer live at the property, I don't qualify to assume the loan. I had just moved last year and have renters living there now. I don't understand how Capital One can legally refuse to deal with me on a loan that I have continued to pay on for a property that I own and have another loan with them for the same property. Now finding out that I could have assumed the loan during the time that I still lived there is even more frustrating. They've caused me a lot of time, frustration, and hardship by insisting that I provide an executor letter and never giving me any other options during the last 3 years I've been dealing with this. To date I continue to pay $ XXXX/month and they still insist on the executor letter in order to discuss the loan with me. Capital One has also stopped providing me monthly statements since the end of XXXX so I have no idea what's left on the loan and what is actually due each month.
On XX/XX/2017 i paid the original creditor XXXX {$160.00}. On XX/XX/2017 American Medical Collection reported to all XXXX bureau as {$0.00} balance but showed that my high balance was {$160.00} which drop my credit score.
An individual by the name XXXX XXXX with XXXX XXXX XXXX, XXXX called in XXXX regarding a debt with XXXX XXXX XXXX from XXXX stating that if no payment was made they would garnish my paycheck including my spouse paycheck if this amount was not paid. The first payment was made XXXX XXXX and a total of {$2700.00} has been paid. We have contacted XXXX XXXX XXXX and they have stated they have no affliction with this company and they account has been been charged off with only a balance of {$1700.00}. XXXX & XXXX has continue to threaten us if we do not continue to make payment on the account.
I was reviewing my ( 3 ) credit reports and found an error. It was information from Chase Auto Finance ( Chase Bank ). The reports states Paid, Closed. {$1300.00} written off. I contacted Chase in the earlier part of XXXX XXXX, stating that my car note was paid in full and not charged off. I received a response on XXXX XXXX, XXXX, indicating that I have paid off my loan and the title was also sent. By XXXX XXXX, XXXX, my credit report was still indicating " Charged Off. '' Chase sent me another letter on XXXX XXXX, XXXX, indicating that they would research and review the issue. On XXXX XXXX, XXXX, I received a refund check from Chase indicating that I overpaid on my car note. However, my credit report is still reflecting as " Charged Off '' and it 's listed as a negative account. I am only requesting that the information be updated and as paid in full and not " charged off. ''