WillisBack/dataset-financial-user-claim huggingface dataset:
A total of XXXX ( XXXX ) times in XX/XX/2016, fraudulent applications were attempted at Synchrony Bank using my information. Most recently, I received both a letter dated XX/XX/2016, and a phone call near the same date, from XXXX. Both assured me that my personal information had been placed in their internal fraud file. Yet, I received another fraudulent Synchrony Bank application alert from XXXX on XX/XX/2016, the same day as the letter from Synchrony, and also a form letter from Synchrony Bank dated XX/XX/XXXX, stating that another application was run. XXXX attached. Only because I placed a hard freeze on my credit reports, did this latest XXXX fifth ) attempt at XXXX, stop short of placing yet another fraudulent inquiry onto my credit. If Synchrony did indeed place an internal fraud alert for me, HOW DID THIS APPLICATION REACH THE POINT AT WHICH AN ATTEMPT WAS MADE TO PULL MY CREDIT REPORT YET AGAIN?!? THIS WAS THE FIFTH ( XXXX ) ATTEMPTED FRAUD AT SYNCHRONY IN XX/XX/2016, and I had XXXX attempts at any other financial institution. CLEARLY IT IS SYNCHRONY THAT LACKS SUFFICIENT SAFEGUARDS AGAINST FRAUD, even long after they have been made aware of this chronic issue. Again, not a single attempt has occurred at ANY OTHER FINANCIAL INSTITUTION. It is long past time for XXXX to start using legitimate and effective fraud prevention systems.
Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX.
My issue is XXXX XXXX. My issue is that there is always something with this card. It 's either the payment has n't had enough time to go through, or they have received too many payments, or the account does n't have enough history on it. This card is the only card that I have issues with that Commenity Bank backs. I have XXXX additional cards so far backed by Commenity Bank and I have never had an issue with any of those cards ever. I have never had a return payment, I make my payments on time if not XXXX weeks early. Not to mention that I just paid down XXXX of those cards below XXXX % utilization. I have never had a return payment, nsf payment, or any of that. Yet, XXXX XXXX can not seem to get it together. I was in Target today. I was trying to make a XXXX purchase and it was declined. The reasons that I received were payments had n't cleared, even though I received an email stating that the payments had been processed. I was told that I did n't have access to any credit limit at all. XXXX would n't you know, I did a small purchase through XXXX XXXX and it went through. I dislike being lied to. I dislike receiving subpar service. I dislike a company that takes advantage of me, my service, and my money. Not to mention the supervisor XXXX that I spoke that had a XXXX poor attitude all together. I have submitted a complaint before regarding this issue and promised that it would n't happen again and well it has. I will be receiving my XXXX XXXX card sometime next week. Once I receive that I will be doing a balance transfer to my XXXX XXXX card and closing my account permanently. I deserve to be treated with respect as a consumer and a customer. I do n't appreciate being lied to when I know that there is credit available on my account. I dislike it. I will be telling all my family and friends to cancel their cards and go elsewhere. I will be filing a complaint on the BBB website so that everyone can see the treatment of good customers. I dislike a decline on my account being labeled as check kiting. That is a term that is illegal check writing. I work in XXXX XXXX. I know exactly what that means. I do n't appreciate that being applied to my account when I am a model customer. I also dislike when the truth is being told to me after I let them know that a purchase was able to be made. I am not happy with XXXX XXXX at all.
Equifax was hacked, and it 's coming out that they have really put the bare minimum into their security ( supposedly an important username/password for one of their systems was " XXXX '' / '' XXXX '' - which is just crazy, to be honest ). It 's actually bizarre how inept they are, and they have way too much important information to walk away from this unscathed.
Dear Sir or Madam : I am writing to dispute the following information in my file about an HARD INQUIRIE I never made or no any thing about it the company is XXXX XXXXreditor Contact Details XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.
Portfolio Recovery Did Not validate any thing in there response just hearsay, NOT one documents shows there right to report to the CRA 's while in dispute and refuse to show legal documentation of any contract with myself XXXX  XXXX  and PRA, Nor a contract with PRA and myself NOTHING .FDCPA section 805 { b } states without prior consent of the CONSUMER { myself } given directly to the debt collector a debt collector may not communicate, in connection of any debt. also FCRA also does not allow 3rd party collectors to inquire on a consumer credit reports
The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success
I used a XXXX 's credit card, later on could not afford the payments due to financial distress around the month of XX/XX/XXXX. Maintained contact with the company informing them of the situation and was reassured it could be handled with no credit repercussions. Later the account was sent into collections at which time i contacted the company and arranged a payment plan to pay the account in full with two payments of approximately {$150.00} dollars and was told the account would have a remaining balance of {$0.00} dollars. Looking at my credit report the company has me with a remaining balance of {$6.00} dollars with numerous late reports. This information is inaccurate and is effecting my credit score in a major way not allowing for my family and I to be approved for a home loan. Contacting the company I am continuously told there is no balance and nothing they can do for me as far as my credit report.
I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.
first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.
I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Referencing claim  XXXX  Inaccurate info was given on this complaint by the lender. There is still a issues with the balance. Fe d Loan servicing  can not account for a difference of  XXXX .     I received a statement  ( attached records ) and witness online that sequence   XXXX  had a balance of  XXXX  as of  XXXX   XXXX   XXXX  Received official records from this organization.     According to there new records the balance as of  XXXX   XXXX ,   XXXX   was  XXXX .     I need to understand clearly why I have official records saying a lower balance and no records from Fed  Loan Servicing explaining exactly how there is a difference. ( See  attached  XXXX   XXXX  Billing statement with the Sequence loan balance as  XXXX  ) This is not tied to interest capitalization that took place one  XXXX  as that was for roughly  XXXX  dollars. I am talking specifically about Loan  XXXX  in which I have different records and amounts. Explain why there is a difference.     These records you have as they were sent on  XXXX   XXXX  by your organization to both my paperless inbox and my home address.
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially Equifax as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.
" XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen
I ordered a service from XXXX XXXX, it had created issues with my bank account. I cancelled on the XXXX/XXXX/2015. When checking on my bank account Pay Pal is still attempting to take money from my account which continues to go into the negative {$90.00}. Bank offered me a {$35.00} which is now up to {$90.00}. I spoke with a supervisor at Pay Pal and I was very disappointed with the lack of concern for my account. Continuing to take out money on a cancelled item.
I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.
I ask you to remove the part ( you must be part of them ) case XXXX, that was not right and i need your help so i appolgise, so if you can remove it that would be great.
I have sent all baseline identifiers ( i.e. state issued id, social security card, utility bill, and a formal written request, to have this company ( merchants credit guide account # XXXX ), remove this fraudulent account from my credit profile, as this account does not belong to me, and can not be verified. I have never had an account, with this creditor, or the original debt collector. I have spoken to a representative from merchants credit guide and no change has occurred. The person that I spoke with is ; XXXX XXXX, and he can be reached at ( XXXX ) XXXX ext XXXX. The amount that this creditor is attempting to collect is {$550.00}.
I found a late payment on my credit report for XXXX 2015 for Nationstar Mortgage, even though XXXX was not there back a few months ago. 
I called Nationstar and they told me that they took part of my payment ( about XXXX ) and applied it elsewhere, so then there was not a full payment for the mortgage. They never told me they were doing this, or notified me, and they kept the full payment of approximately XXXX, which was credited from my bank account. 
XXXX XXXX told me to fax her the proof directly of my payment two weeks ago, which I did. I have not gotten a response so I faxed another letter yesterday, still no response. 
I called today and talked to XXXX in customer service who said that she saw nothing in my file. She tried to get ahold of XXXX but no luck. Now she told me I have to re-send everything to their research department and that she can not help me. 
They have a different department for every issue and no XXXX talks to anyone else so it is like starting over with an issue every time you call. 
Nationstar did something similar when I first opened my loan. I sent a cashier 's check for a large amount of money for my escrow account, and they applied it all to my mortgage, then tried to charge me interest. It took me over 3 months to get the situation rectified.
I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.
I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest
I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!
On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.
I contacted Metro Republic Communication Services regarding a medical bill. I spoke to XXXX XXXX and inquired about receiving a generic letter stating that upon full payment they will report and remove it from my credit. I informed him that I am capable of making the payment in full right now. XXXX XXXX and his manager stated that they are willing to give me the letter only after they receive the payment. So, basically I do n't have any guarantee that they will keep their word. Over the next couple of weeks I spoke to XXXX XXXX numerous times. I initiated the majority of the calls. I finally came up with a solution for both of us. I spoke to XXXX XXXX and explained that I was willing to drive to their office and pay with a certified check. At that time I am willing to " trade off '' for the letter and a receipt. XXXX XXXX mentioned that I should bring cash at that time. I expressed to him that I am not comfortable paying with cash and I would bring a certified check from my bank. Both of us were satisfied and ended our conversation on a good note. Five minutes after we hung up XXXX XXXX called me back and stated that after speaking with his manager XXXX XXXX that there was a problem with what he told me. He stated that his manager said I have XXXX medical accounts with their office. Even though I am willing to pay off the account we discussed in full they will not report or remove the account until I pay off a different account I did n't even know I had with their office. I asked to speak with his manager and his manager XXXX XXXX stated the same thing. I found it very strange and unprofessional that I have spoken to him numerous times and XXXX XXXX never mentioned a second account with their office. Also, these are XXXX totally different bills, service dates and amounts. If I pay off one account in full that should be reported to the credit bureau and removed just as we agreed five minutes ago. I do n't understand why they would think that it is okay to attempt to be unprofessional, deceive and bully customers. They should not be able to make up their own rules and guidelines because they feel like it. In my opinion it does n't sound legal either. Most people do n't consistently call bill collectors trying to pay their debt in full. So, at this time I am at a stand still because I do n't trust them at all.
Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.