WillisBack/dataset-financial-user-claim huggingface dataset:
I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.
My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.
I recently checked my credit reports and discovered a negative listing reported on all three major credit reports. A debt collection agency called Medical Data Systems has been reporting medical debt that is not mine. I have no knowledge of the debt, other than it being listed on my credit reports. I immediately disputed the negative listing with XXXX, XXXX and XXXX. I received my updated credit reports with this collection account coming back as verified with no further information. As per the CRA instructions, to receive further information, I contacted Medical Data Systems with a debt validation letter because I wanted to see any proof that I supposedly owed this alleged debt. I wanted to see a contract bearing my signature on this debt, I wanted to see anything that would show I entered into any agreement verbally or physically, I wanted to see anything that remotely tied me to this debt that was, by the way, not even in my hometown or even in my state for that matter. They responded in part by saying, " there is no basis in law to substantiate your right to such information ''. In addition, they did send me a copy of a paper stating " THIS IS NOT A BILL ''. It appears to be a listing of medical services that may or may not have been performed. It may also just be a quote or similar, I 'm not really sure what this paper is or who it pertains to. It only has my name typed at the top. It DOES NOT have my social security number, my birthdate, or my signature anywhere on this paper copy. The paper also says to call them to discuss payment arrangements. This debt is not mine, or anybody that is associated with me. This negative account information continuing to be reported by Medical Data Systems is harming my credit score and my reputation and my quality of life.
Wrote a check from my personal checking account to XXXX XXXX XXXX for the amount of {$4300.00}. dollars to pay my credit card bill for the month. This was the full amount due. My bank statement at XXXX XXXX reflected that Capital One made a {$4200.00}. dollar processing error and only cashed and deposited the check for {$43.00}. dollars which was the minimum due. I called Capital One customer service in which I was told that they could not do anything about it. I had to call back and speak to the Capital One Check Resolution Department which I did. I asked that they send me a copy of the check as my XXXX XXXX XXXX could not provide a copy as it was electronically deposited by Capital One. I needed the copy to balance and resolve my bank statement. They gave me a fax number to which I was to provide the specific check details and they would fax or mail or email the copy of the check back to my attention within 2 business days. I sent this fax on XX/XX/2018 at XXXX XXXX. No reply. So on XX/XX/XXXX, at XXXX XXXX I re-faxed. As on today 's date still no reply. Subsequent phone calls to Capital One customer services reflects that they can not do anything about their non compliance to my faxes.
I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account
I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity
I have made reasonable attempts to XXXX XXXX with Experian, including the having the creditor agree that the reporting is inconsistent. I have attached a copy of what is being reported by the XXXX major credit bureaus, and as you will see, there are a number of inconsistencies, including credit bureau reporting variations. It is certainly not unreasonable to request this item be deleted, due to the unwillingness of Experian to report accurate information. I am no longer liable for this item, it is paid in full.
I XXXX XXXX believes that American Honda Finance has no choice but to delete the account currently posted on my XXXX Report, and that XXXX missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but American Honda Finance cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by XXXX as the statement posted by American Honda Finance shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX  several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.
I purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans. 

Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill. 

Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.
Step 1 : What is this complaint about? 

XXXX XXXX Citi Bank Credit Card XXXX XXXX XXXX XXXX and {$120.00} in Fees no merchandize involved. 

Step 2 : What type of problem are you having? 

I closed the account in XX/XX/2018 because XXXX XXXX  doesnt offer electronic statements in real time. It seems they are retaliating against my decision over to close the account over their customer service issues. It feels like bulling and intimidation tactics to coerce me to pay nonsensical fees by continuing to access fees on fees. I would think a bank like Citi Bank would offer an interoperable website in real time to make credit card information accessible to end user. Rather it seems they are taking advantage of all whom may not be able to fight the haranguing and accessing fees. I paid my last statement in XXXX. XXXX XXXX is accessing fees on fees. It is very difficult to hold a conversation with the customer service team. I have paid for all items purchased. When I tried to explain the issues they weren't interested in hearing me out and they could not account for when or what item they accessed the {$120.00} fee over. In a state like CT I am almost certain, XXXX XXXX  Citi Bank, cant access Fees on Fees. No merchandize is involved. 

Step 3 : What happened? 

When I tried to explain the circumstance they dismissed by explanation. They are not real time or interoperable. They were just belligerent and unable to explain why they accessed what they accessed. This has been ongoing since XXXX XX/XX/2018. 

Step 4 : What company is this complaint about? 

XXXX XXXX  Citi Bank Credit Card XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? 

XXXX XXXX Citi Bank Card Vs. XXXX XXXX
Hi Sirs, I ca n't get my credit report that 's why I got denied from credit card companies. Here is my information. 
Thank you, XXXX XXXX
I 've been a victim of identity theft and someone tried to obtain credit using my name There are several inquires on my credit report as of result of that and I 've tried calling and disputing these inquires with the credit bears and they are not helping despite the fact I have been a victim of identity theft. They only thing they did is they 've put a fraud alert on my credit file but not willing to remove the inquires which hurt my credit. Please helming thanks.
XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 


You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use
Capital One Auto ran my credit without my permission. I am attaching to this complaint a copy of my pre-approval letter from XXXX XXXX XXXX showing that I had already secured financing for my vehicle and had no reason to allow anyone to run my credit considering my credit union had already ran my credit for the pre-approval.
I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.
I contacted ProCollect about a month ago and requested they stop calling my mobile phone and to contact me via postal service. I still receive calls and voicemails from ProCollect.

Also, I sent the them information and requesting a copy of a contract showing my signature that I owe ProCollect {$530.00}. I advised in the letter I sent that I do not owe ProCollect and never went into business with them. I requested they delete all information on my XXXX, XXXX, XXXX credit report because I never signed a contract with them and they are reporting inaccurately. 

They did not delete the information and they did not show me a signature from myself showing I owe ProCollect.

However, that ProCollect sent me paperwork sent to them by the company that paid them for my account information.

I attempted to resolve this issue, but not successful.
As a result of the Department of Justice Settlement with Bank of America, The bank has issued lien releases/loan forgiveness in XX/XX/2015 on XXXX out of XXXX of our properties included in chapter XXXX bankruptcy. All XXXX properties had line of credit loans with Bank of America. We 've requested that they also release lien/forgive the loan on our property of XXXX, New York as it is a XXXX property and was also included in the bankruptcy. As of today, the bank does not respond to our request. I 'm attaching all pertinent documents on this case.
I am part of the population who has been taken advantage of by Navient and want to be supported by your suit. I had been pushed into for a fence during the economic crash in 2009 and have more debt now ( 9 years later ) than I did when I took out the initial loan. Even after paying on time for years! ). I feel like a helpless victim who had tried on numerous accounts to get help but to no avail.
Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.
XXXX checks that I had already deposited through my Bank of America mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write " void '' across the front of the checks. I did not know this was necessary as the app told me to write " for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Bank of America allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them " No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Bank of America are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Bank of America told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Bank of America paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Bank of America has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.
My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- --
Debt for {$1600.00}, i have no idea what this is or who did this ... this is not my account, Ive already reported with the XXXX ... planning to also contact a lawyer
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.
I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.
Paid charge off and have proof. On XX/XX/XXXX shows finally XXXX account was paid off on my credit report. Now on XX/XX/XXXX. They put it back as a charge off. This is incorrect information. I fought this since XX/XX/XXXX. Sent proof it was paid XXXX and credit companies finally put comments as paid and settled account paid charge off. Please correct comments back as it was on XX/XX/XXXX as paid and settled. XXXX XXXX