WillisBack/dataset-financial-user-claim huggingface dataset:
Last XXXX 2015, I was refinancing my home but because my credit file was freeze with Equifax and the process to remove my security was not as smooth as it should be. I lost the opportunity of a great offer. I tried to unfreeze my credit to the website but although i received an automatic message that it was unfreeze it was n't. On XXXX, I sent a letter with all the information required to unfreeze my credit and I received confirmation letter dated XXXX XXXX, 2015 that reads " the security freeze was permanently removed from your Equifax Credit file ''. Last week, I requested an educational loan, as a cosigner an Educational true XXXX XXXX Educational Financial Services. To my surprise, I received a letter from XXXX XXXX stating that my credit report was unverifiable. When I called them I was told that my credit has a freeze. I tried to contact Equifax but it impossible to talk to a Human Being or get past all the different telephones numbers and electronic phone prompts. My son needs this loan to paid for his tuition on his last college semester ( He is a XXXX on XXXX ). 
I fell hostage of Equifax. It 's my credit, I followed all their requirements to unfreeze it, I have written confirmation, and still I 'm not able to use my credit when I need it.
Weinberg Mediation keeps le aving me vague messages regarding an alleged " debt '' they claim I owe. They will not provide any information or validate the " debt '' in writing. They are constantly calling my cell phone, work phone and family. They threaten to take legal action and say each time that this is the final warning. I have called them and asked them to stop calling and to validate the " debt " in writing but I have not received anything from them except threatening phone calls.
I originally took out student loans with XXXX XXXX for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating XXXX XXXX became XXXX. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, XXXX has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted XXXX about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to XXXX. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why XXXX keeps reporting me. My credit report says all of my XXXX accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with Transunion and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.
XX/XX/2017 ( 1 yr ) Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Claim : {$240.00}
I used a convenience check with a 0 % APR until XXXX XXXX. Then at a later date, I used a convenience check with a 0 % APR until XXXX XXXX. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in XXXX XXXX, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the wording on the disclosure for the convenience check. But I do n't think that is made very clear in the offer. A creditor should be required to apply the payment to the promotion that is going to expire sooner.
XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and Experian.
I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  XXXX .
I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from XXXX XXXX. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
I am a legitimate holder of an XXXX who has maintained an account in good standing. I can prove that their equipment malfunctioned on the reading end of the equipment because they read my tag both before and after the dates in question, however, they continue to harass me for 'administrative fees ' for the dates that their equipment malfunctioned.
Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10  years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. <P/>XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!
Your bank will be shown to have not performed a proper security of their own account holder that impersonated one of your legitimate account holders to authorize the payment to my company. Your security was breached and the person acting on your behalf should have performed a more thorough security check by going off line and making sure this is the person that was intended to release such money and as a result of your lack and regard for who your client supposedly was and not properly authenticating same you authorized payment to my account that was clawed back.. In addition to this security breach because they were able to obtain information of your client they put this information and paid my initial credit card balance of 44K or so and therefore induced us to spend more money on this scam ... Because they were able to steal your clients personal information and bank information this allowed this SCAM to take place. This will be shown in court and you will be liable for damages. This will go to the media etc to show that your bank allowed these scammers to violate and steal information. I want you to pay XXXX the XXXX and I will not pursue this further. XXXX already admitted that were are flaws in the banking system and loop holes.. IF you dont want this to go further I would recommend you address this with XXXX
Money was stolen from our checking and savings account by hackers making unauthorized ACH transfers from our accounts. We immediately went to our bank to start reporting and claims processing. Bank employees provided conflicting information and advice with regard to next steps. When we provided the bank with information on a similar hack that took place at their bank in another state, within the same time frame as ours, they failed to respond to requests from us for additional information, and would not put us in contact with their cyber security team to facilitate a full investigation. Multiple attempts to reach them on our own failed. The unauthorized transfers from our accounts total more than {$50000.00} to date
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.
I opened a business checking account with wells fargo under a promotion to receive {$500.00} bonus when I meet the following requirements. 

Within 10 days of opening the account, deposit {$2000.00} or more into the new business checking account, and Have a {$2000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60. 

I met this requirements about 30 days ago, but still didn't receive the bonus.
RE : Compliant Against SCA Collections ; Co # XXXX XXXX In the first quarter of the New Year I began credit monitoring on my credit report due to fraudulent activity, during that time I saw a medical Bill reported on my credit report from SCA Collections , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX NC XXXX. I opened up a dispute with the 3 major credit bureaus and contacted an attorneys office for assistance with the fraudulent accounts. After a few months I received a new alert in XX/XX/XXXX that SCA Collections , Inc. had placed another MEDICAL COLLECTION on my account for the same amount as the collections I was and am disputing. <P/>My demand is that they remove both accounts for the following reasons : 1. The new account posted to my credit report in XX/XX/XXXX has an open date of XX/XX/XXXX which seems to be RE-AGING due to my open compliant for the initial bogus account. ( No other collections from SCA were on my credit report prior to my compliant against them in XX/XX/XXXX ). 2. The new account also seems to be SCA Collections PARKING debt on my credit report without allowing me to dispute the validity of the debt. There were no communications with me nor written statements of a debt that was owed in the amount of {$160.00} 3. How could SCA Collections validate the debt that is not accurate when the original creditor is no longer is business ( I presume from their business practices ). 4. I have attempted to contact SCA Collections with no response, they do not answer the phone. I also had an attorney ask them about what seemed to be RE-AGING my credit debt yet they have refused to respond ( see enclosure ). After no response from SCA Collections , Inc I could not go to the original creditor, XXXX XXXX XXXX for information because the y were no longer in business and could not respond. <P/>respond. I then sent messages and contacted XXXX XXXX XXXX XXXX XXXX who have been my medical insurance provider for the last 11 years. I was informed of the following. 1. The date of service was XX/XX/XXXXand the XX/XX/XXXX ( see enclosed ) and was paid late more than 3 months later by them. Per the information attached I demand that SCA Collections REMOVE THESE TWO ACCOUNTS from my credit report for the following reasons. 1. The information reported by a collections company must be accurate or REMOVED per the FCRA. The information provided by SCA Collections in not accurate per the documents attached they have reported that my Date of Delinquency on the account was and is the actual date of service per the attached documents. The DOFD ( date of first delinquency ) submitted by the original creditor can not be changed by SCA Collections. 2. SCA Collections , Inc. purposely PARKED the inaccurate collection debt on my credit report as retaliation for disputing the initial XX/XX/XXXX {$160.00} collection debt as inaccurate. 3. SCA Collections , Inc. did not provided ample time for me to respond to them that this was inaccurate and the proof that the insurance company provides proves this was and is inaccurate. 4. SCA Collections , Inc. has refused to respond to both verbal and written communication.
I'm following up on complaint number XXXX submitted on XX/XX/2019, regarding a car title held by Citibank NA. The title had been incorrectly sent to them by a car dealership, even though the car was paid full in cash. 

Citibank NA sent me a letter by urgent mail stating that they had no interest in the vehicle and authorizing to release the car title. However, my car dealership checked with the California DMV and the latter stated that this isn't enough evidence to issue a new car title under my name. I urgently request Citibank NA to submit an electronic release to the DMV, per the instructions copied below from the California 's DMV website. 

My title should be sent to : XXXX XXXX XXXX , XXXX  XXXX ( XXXX  ), XXXX XXXX, XXXX, California. 

-- -- From website : XXXX XXXX XXXX XXXX XXXX Legal owners that participate in DMVs ELT program will have an electronic record. When you make the final payment on your loan, the legal owner submits an electronic release to DMV. Make sure your mailing address on DMVs record and your legal owners record is current before making the final payment. When the electronic release is received, DMV will issue a new Certificate of Title and registration card showing the registered owner as the sole owner. ''
In XX/XX/XXXX, I was seen at XXXX XXXX medical. For services rendered my insurance company at the time had issued a check XX/XX/XXXX ( See attached document ). XXXX XXXX 's incompetent accounting abilities sent this to a collection agency Wakefeild and Associates. I have made repeated attempts to show a copy of the check to Wakefield ( The attached document ). Wakefield has since reported this to all three credit agencies. I have been able to show to 2 out of the 3 agencies that I was not owed this debt and they have removed it from my account. The reason I have not been able with the third is due to their website failing to upload the document. Today XX/XX/XXXX, I have arrived home and there were court documents on my kitchen table. They are from Wakefield and Associates trying to sue me in court. I have copies of correspondence between the insurance company as well as a copy of the check that XXXX XXXX received that payed off the debt.
this company is been reporting on my credit report for so long, XXXX needs to be removed its been on my report since 2010 and based on the law it should be removed for my report. this account is preventing me from providing a better housing for my family.
I have had a credit card from Macy 's department store for years and have handled my account online since they offered paperless statements. A few months ago they made changes to the website and I have not been able to log on to see my statements, make payments or do anything with my account. I have called every month to address the issue and make my payment and every month they assure me that next month there will be no problems but I continue to be unable to get into my account. I called this month to simply pay off & close the account because it is to frustrating dealing with not even being able to check my balance or due date or anything. They assessed a late fee and refused to remove it even after I explained that I have not been able to log on to my account at all in months. I would think that having a customer unable to access any of their information on a credit account is illegal. I 'm currently waiting for someone from their credit department to contact me about this.
hi! 
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! 


NOTHING BUT BLATANT FRAUD ON THIER PART,  AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!
Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.
All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared My ( Consumers ) personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor