WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service, they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information, and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this, but in the 2 days it took them to respond, they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat, I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent, and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this, and their very slow emails are not adequate to protect the amount of information that they have in their database.
I am a victim of identity theft. I submitted my identity theft packet to TransUnion and they have refused to block fraudulent information from reporting on my credit report. I submitted a police report indicating the fraudulent accounts and proof of my identity. Additionally, I sent a letter requesting that they block the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Instead, TransUnion has chosen to not comply with the FCRA and rather opened disputes. As a victim of identity theft my personal information has been compromised and a dispute would return my name, address, dob and social security number. This is further listed in the police report that I provided to TransUnion. TransUnion has willfully decided not to comply and is in violation of the Fair Credit Reporting Act.
This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX XXXX XXXX XXXX ), yet  they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and XXXXcould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
I received a call from Hillcrest, Davidson and Associates, LLC on XX/XX/19 @ approx. XXXX my time. Calling me regarding a debt with an alarm company. 

I told them that this should not have been in my name and it was done by an ex girl friend. I advised ( I think XXXX ) that I need to call him back because I was headed to work. I called back because I had some questions at XXXX and I got a hold of an XXXX ( very rude ) manager.  Started yelling as I was asking questions, I was asking for verification of the account, and anything that had my signature on it. He told me he didn't care and he was going to place it on my credit. He then told me I had a choice file an fraud affidavit or pay them {$600.00} settlement today. I said I cant make that decision today, he again started to talk over me and then just hung up the phone. 

I filled an complaint with the XXXX XXXX XXXX in TX that night case # XXXX. 

I called back on XX/XX/19 to speak to the original person who called me and XXXX picked up the phone, I asked him could I talk to someone else because he hung up the phone on me last time, he said he doesn't care. 

I advised I was going to file an complaint with whoever governs collection bureaus he said he doesn't care, do what I need to do. 

I need documentation that proves I even owe this account. the amount they say I owe is around 1200. 

also my house already had the alarm in it they just became the monitoring part of it, they are trying to charge me for the equipment also. 

I have recordings of both phone calls, but your system wont let me upload voice calls.
XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
I requested a verification of the debt they are trying to collect I already Sent 3th Verifications of debt letters today I ', m sending the 4th validation letter.And I never receive any Validation of the Debt Isent, FAY SERVICING LLC is trying to collect a debt I never engage with them they are trying to collect a debt. I dont Owe I never have any kind of business with FAY SERVICING LLC conpamy thewrefore I need your help. 
see attached documents
On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is Diversified Consultants with XXXX XXXX for XXXX and the XXXX creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under Diversified Consultants for XXXX and XXXX report under Diversified Consultants for XXXX. This account was supposed to had been removed and now keeps appearing.
XXXX XXXX XXXX.is maliciously reporting to all three credit bureaus : Equifax, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XX/XX/XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XX/XX/XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XX/XX/XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my Equifax credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.
In XXXX XXXX I mailed in a dispute letter for XXXX XXXX # XXXX ( partial number listed on report ). TransUnion mailed me the results and the account was removed XXXX/XXXX/XXXX. Now, in XXXX the same creditor and same account is appearing on my credit report. TransUnion investigated and deleted so why did it reappear? And, with no notice!
I opened up this credit card in 2008. I have never been late on a payment. The majority of this debt was consolidated date because I had a 7.79 percent rate on this card. I always paid double the amount of the min payment. This last year I have been working hard to get other debt with higher interest rates paid off so I reduced my payment to the minimum on this capital one card. My payment was {$250.00}. I went out of town for a period of time in XX/XX/XXXX and XX/XX/XXXX and my bank makes the payments automatically. Unbeknownst to me the min payment went up {$3.00}. So in XX/XX/XXXX they received {$250.00} instead of {$250.00}. In XX/XX/XXXX ( I was out of town and did not know it was {$3.00} short ) They received {$250.00} instead of {$250.00}. I got back and realized they have raised my APR from 7.79 % to 24.99 % over a shortage of {$3.00}. I called and asked them to reduce it back considering my history of never being late and simply because it was not ethical to raise the APR to 24.99 %. I will never get out of debt paying this rate. I spoke to XXXX different people over a period of 3 hours. The last person XXXX ID # XXXX basically said she knew and understood what had happened and she knows what I want ... to have the rate lowered back to the original..but she WAS NOT DOING IT. It is not a matter of the dollar amount agreeing that {$3.00} was a meager amount to be short but rather that I was short twice and that it was not worth saving a good customer over {$3.00}. She was a horrible customer service rep. I wonder if Capital One really does not value good customers as she portrays. I want the interest rate reduced back to what I deserve having always paid on time. I was not " Late '' on a payment I was short {$3.00}. That does not warrant raping me financially. I owe Capital One {$15000.00}. They stand to make a lot of money over a {$3.00} mistake and this should not happen much less be legal business practice.
On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. 
Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this matter.
Over three years ago, I lost a job that payed approximately {$86000.00}. Unable to find another position in that field, I have started a XXXX career. Building a business takes some time and without an adequate income, some credit card payments could not be made. XXXX the accounts that I have are with Chase Bank. On XXXX account, they sent a letter, informing me that they were preparing to write off the account as a bad debt. Keep in mind that I have had these accounts for decades. However, on the other account, no letter was sent and they did write off the account as a bad debt. I called on XXXX XXXX and a lady checked their records and confirmed that no letter had been sent pursuant to that account. I told her that I intended to contact this agency, in regard to this despicable business practice. She ask me to give her a few days to see if this could be resolved. She informed me that she would call me back on XXXX XXXX. It is no XXXX XXXX and I have received no call. 
I called today and spoke to XXXX people. The XXXX person I spoke to, XXXX, said that the aforementioned person did process a request to bring back the account. He said that, according to what he saw on his computer, the request was denied because Chase Bank deemed it to be " no bank error. '' He also informed me that they are not legally obligated to send a notification that they are going to write off the debt. If so, the law is bad. I believe this is the type of unethical business practice from which your agency was designed to protect consumers. Hopefully, I am correct. The grand irony in this is that, as my business grows and matures, it is my full intention to pay off all of my outstanding debts, but Chase would rather write it off as a bad debt now instead of waiting for their repayment in full.
I am really struggling to pay back any of my student loans. I think when I started they were around XXXX now they are approaching XXXX. I will never be able to pay them back. I was not able to find a high paying job like they promised. I need help eliminating all of my student debt. It is hurting me getting car and house loans. Is there a way you can help me eliminate this debt completely? I am really struggling. Thank you for any help you can provide.
On XX/XX/XXXX at XXXX pm I got a call from my bank BOA. They told me that they had detected some suspicious transactions and they were just making sure it wasn't fraud. I explained to them that I was at work and that I hadn't made any transfers or transactions. They told me they would take care of everything and not to worry. I have proof of this phone call on my phone records. At XXXX the first transfer was made via XXXX and at XXXX the second transfer was made. I did get confirmations on the transfers but I was working and I assumed this was what she was speaking to me about. Apparently, they were already in my account when I was speaking to the fraud representative and she didn't notice. They had emailed me asking me if I signed on to my online ID because they detected that there was a sign on from an unknown device. I didn't read the emails because I was at work and I work at a restaurant. I'm not even allowed to have my phone on me. Well even though all this happened they decided to deny my claim stating that I was the one that made these transfers. The recipients name were XXXX and XXXX. Yes not even an actual name. This is unbelievable. They warn me of the fraud then fail to protect my account and then say I did it. Now they don't want to give me my money back. I need some help please.
on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.
take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX
I 've contacted Equifax in writing multiple times requesting a correction for wrong/inaccurate information reported on my credit report, they failed to investigate the item carefully or verify it and they did n't correct the item either, I have all the proofs to support my claim and shows their violation to compliance with the FCRA. 
the item remains as a negative derogatory on my report, it 's negatively effecting my personal and financial life big time. 

the item information is the following : XXXX XXXX XXXX vehicle loan paid off and closed in around XXXX XXXX the negative reporting is : 30 days ' late payment 3 times XXXX XXXX, XXXX & XXXX of XXXX ). 
the negative reporting is : 60 days ' late payment 2 times ( XXXX & XXXX of XXXX ) I 'm negatively very effected by this matter as a consumer and I 'm asking the Consumer Financial Protection Bureau to protect my rights as a consumer and to take full and strong action against this company striping our rights by reporting wrong inaccurate information.
AMSHER COLLECTION SERVICES INC in the amount of {$100.00} shows as an unpaid debt original creditor showing as XXXX XXXX, XXXX. I have never lived in XXXX. This was disputed years ago with original creditor. My husband at the time lived in XXXX, XXXX with our daughter XXXX XXXX whom he took to the ER. His insurance at the time was blue cross blue shield of XXXX and my insurance was blue cross blue shield of XXXX. Some how his insurance blue cross blue shield of XXXX was selected and used, and instead of having his information with his address in XXXX, XXXX and his name as the responsible party using his insurance my name and address where I lived in XXXX was provided.
This dispute and investigation is for Equifax Credit Bureau. I had XXXX accounts with XXXX XXXX XXXX as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Equifax has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Equifax that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Equifax also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Equifax reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Equifax not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Equifax keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from my credit report.