WillisBack/dataset-financial-user-claim huggingface dataset:
M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Experian where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.
I lost access to an email account that I used to sign up for Coinbase some years ago. I remembered the username and password and when I login, it gives me a two-factor authentication request that wants to confirm my email address. I don't have access to that email so I can not confirm. Coinbase has a support article which states they are able to help people who had lost access to their previous accounts ( https : XXXX ). I followed the process they outlined including creating a new account with a new email address and verifying my identity by uploading my California State Drivers License and a photo of myself. I also emailed them to let them know I went through their requested process for recovering accounts that you no longer have access to the email that you created them with. It took about a month and a half for someone to get back to me. A person named XXXX emailed me and said there was nothing they could do. I pointed them to the support article and pressed her to help me. She sent me another email with clarifying questions about my account. I responded with answers. I just received an email saying, again, that Coinbase can't help people recover their accounts despite their own policy posted clearly on their website.
I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )
XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???
OnXX/XX/XXXX, 2017 I received the monthly statement for my checking account. In the case of reviewing this I noticed that there was likely a fraudulent check. I requested copies and then went to Chase Bank branch onXX/XX/XXXX, 2017 and notified them. Chase Banker and I found 14 fraudulent items. The first dating to XXXXXX/XX/XXXX/2017. 

OnXX/XX/XXXX I received a letter saying my " claim '' was denied due to failure to report this in a timely manner. 

I have called the number provided countless times since then. Essentially I am being told that my failure to report the first item within a Chase mandated time frame ( 30 days I believe but even this has been contradicted by those on the line ) renders me responsible for all items. 

I assert that despite the Chase Terms and Conditions that they have a fiduciary duty to safeguard my account. Instead the same payee on all the fraudulent checks was allowed to repeatedly to cash forged checks. I have no idea how the checks were obtained. I do not even know if they were my checks or if the check stock was forged. I am unable to determine if checks were cashed at counter or deposited to payee 's account. I am unable to determine what Chase policies are in regarding this matter and/or whether they followed their own policies. 

I am unsure where to go with this next and Chase representatives maintain that this issue is closed.
THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Therefore, I would like to request an arbitration hearing to resolve this issue. As per, " The Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XX/XX/XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XX/XX/XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors. " In response to CORRESPONDENCE RECEIVED FROM : XXXX : Dated : XX/XX/XXXX ( Enclosed ) First and far most, I would like to certainly make one thing perfectly clear. This is a request for Validation of Inaccurate / and erroneous or fraudulent charges. Upon your review of my credit reports, from ( XXXX/XXXX/ TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I owe both creditors a debt. I am in dispute of this inaccurate billing error, AND that I would like to get this inaccurate erroneous /or fraudulent account issue resolved immediately. I never had a XXXX with XXXX XXXX XXXX. Technically, there is apparently a Contract Billing error, and /or fraudulent billing practices. This Fair Credit Report Act Violation has impacted every aspect of XXXX XXXX consumer rights in the marketplace. It is evident that this company is engaged in illegal billing tactics. How can a company could be allowed to do this. Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer 's lack of information or bargaining power. Some conduct addressed by consumer rights laws is simply unfair, while other conduct can be described as outright fraud. Consumer rights laws exist at the federal and state level. They are enforced by government agencies, offices of attorneys general, and through individual and class action lawsuits filed by victims. 
Clearly, this inaccurate account contains Illegal billing practices/ as well as hidden fees, and unauthorized charges. Creditors charging consumers twice for the same service or product are unacceptable. I have yet to receive a detailed summary of the DEMINISHED INACCURATE ACCOUNT. Consumer rights laws also protect the public from false or misleading advertising. For example, automobile dealers have been known to advertise a vehicle at a reduced price in order to draw shoppers to the dealership. Once they arrive, however, that vehicle or sales price is no longer available. The dealer will then pressure shoppers into purchasing a vehicle on less favorable terms. In addition to these " bait and switch '' advertising tactics, consumer rights laws address things like warranty misrepresentation, defective products, forced arbitration clauses, identity theft, and other types of harassment and fraud.
I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.
In XXXX 2015, I signed up for Direct Deposit to lower my interest rate, they took money out of my account, put it back in, took it out and put it in again When I called them to find the issue, they stated I had insufficient funds. I did not. They then took out the next payment at the end of the month to accrue the most interest as a DEFAULT That is absolutely bad business practice, and I have since ended direct deposit and have paid more than the interest rate to down the principal, yet I am still paying way too much for the loans I took out over 10 years ago I have again requested to lower my interest rate, as ironically, the only bad payment I have is that XXXX XXXX ludicrous practice that disallowed a lower interest rate The amounts were ludicrous that they offered my 6.8 % going down to 6.55 %? XXXX to XXXX. Especially when they take it at the end of the month to maximize the interest? Makes more sense paying it bi weekly with more towards the principal Biggest scam ever I went to XXXX, XXXX & XXXX XXXX
I have sent certified letters to the company repeatedly and XXXX XXXX XXXX refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 

Listed below is the request I send to the company again with proof and I received a response letter stating, we will not reinvestigate this request again. Plus, this letter was signed by XXXX XXXX XXXX. 

THIS LETTER IS IN RESPONSE TO INACCURATE INQUIRES AND MY PERSONAL INFORMATION LISTED ON REPORT. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426- CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

PLEASE NOTE, THIS IS MY FINAL COMMUNICATION IN REGARDS TO these INACCRATE ENTRIES BEING REPORTED. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
I have been dealing with Capital One Bank for years. Have always paid on time and unfortinutley, have had to use them, after paying them off several times. I have spoken to them about there interest rate and have not been able to get anywhere. There rate on purchases, 15.90 % APR. This interest rate is rediculas and according to there record, on a balance of {$8900.00}, paying the minimum, in XXXX years, you would have paided {$20000.00}, pay off in XXXX years, {$11000.00}. Is there anything that can be done with this high interest rate
Transunion has supplied ( via XXXX ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF.

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called XXXX multiple times and they have forwarded my complaints to TransUnion. I called TransUnion multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
I request an investigation from the TransUnion company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By XXXX, financial Injury. 
Protection under the FCRA, FCRA Section 623. 
Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). 
The Credit bureaus, " TransUnion '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 
I gave them all the original information of the companies, TransUnion did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. TransUnion refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. 
As the FCRA and TransUnion do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and TransUnion . 
You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. 
I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information
I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.
as of XX/XX/2018 Equifax still haven't removed the paid repossession from my credit report when the other two reporting angencies have I have tried at least 4 times to dispute this with no avail they are refusing to remove it .its either this or court d to inproper investigation its their choice
Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.
Step 1 : What is this complaint about? Step 2 : What type of problem are you having? Step 3 : What happened? Step 4 : What company is this complaint about? Step 5 : Who are the people involved? 



-- -> XXXX XXXX XXXX  - The Experian website through XXXX is ENtirely unclear. I was reviewing a web version but was unaware, that I would not be able to access it again, and that I'd need to print a hard copy to review it later. I closed the Experian web version of my XXXX XXXX XXXX, and am not able to get a copy easily, and/or go back to it. Experian ( or perhaps XXXX, it's NOT clear ). I believe that the website designers could/should address this issue - the site should prompt individuals that they are reviewing it electronically and will NOT be able to access it again, OR BETTER, offer the option to view electronically and/or print a copy. 

Super frustrating