WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ( for Zales ) continues to call from blocked numbers, no caller ID numbers or spoofed phone numbers. The person calling acts as if they are a personal friend before engaging in debt collection information.
XXXX XXXX dated a letter XX/XX/2019 claiming the estate of my Mother owed their client. They did not disclosure any information pertaining to their supposed client. According to Federal Law they had 5 days from that XX/XX/2019 to validate debt. A letter of dispute was immediately sent. XXXX XXXX   sent another letter dated XX/XX/2019 disclosing their client and balance amount. Their letter is more than 30 days from their first communication once again in violation of Federal Law. Furthermore the lease signed by the decedent I represent states that it is not transferable in any way or for any reason thereby voiding it in it's entirety.
I recently learned about the Equifax breach. I am very upset that I did NOT learn about this through Equifax, but rather a few days later through the news. Equifax has not, at the time of this writing, contacted me or my wife. 

Furthermore, Equifax did not make it easy to see if the sensitive personal information of myself or my wife were exposed. While Equifax does have a website ( https : //www.equifaxsecurity2017.com/ ) for this breach, following the instructions there failed to confirm or deny our inclusion in the breach. Instead of appeared to be enrolling me in a program without my consent. It took considerably more time and effort to confirm that our information was exposed. 

When I attempted to use the confirm/deny tool release by Equifax website ( https : //trustedidpremier.com/eligibility/eligibility.html ), I was concerned that the website was actually a scam because it redirected to 'trustedidpremier ' and I had no idea what that company was. Nothing on the preceding page indicated a 3rd party company would be involved. This is not good. 

Once it was confirmed my ( and my wife 's ) information was exposed, credit monitoring was not immediately available. This is a time-sensitive matter. 

The Equifax website failed to note that a free fraud alert could be placed immediately, which would have been useful for those affected to know. 

Equifax is offering free credit monitoring, but they are doing so via a company owned by Equifax. This is not acceptable. 

The terms and conditions of the credit monitoring are overly restrictive. It is my understanding that the New York Attorney General is investigating if these T & C are even valid.
I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.
The credit card account in question here - totaling {$17000.00} - was set up using my name and personal information that was shared with XXXX representatives of the XXXX XXXX XXXX. They ( names shown below ) had contacted me about money that I was to receive and I was told that they would cover all costs for the delivery of this money. There are so many fraudulent activities out there today that made me follow through in an attempt to verify the legality of their claim. Based on information I obtained, relative to this type of activity from competent sources, and multiple follow-up inquiries with the supposed representatives ( XXXX XXXX XXXX and XXXX XXXX XXXX ) I moved forward on their proposal. 
They were to take the information requested from me to set up accounts with XXXX banks necessary to deposit the required fees for the competition of all necessary payments prior to the release of the funds. Once the money was deposited into the accounts, I was to withdraw it and send it on to them for the payment of these required fees. 
When the money was deposited into the Capitol One bank account - that they had set up in my name - I sent it on to them as requested ( I was n't concerned at this point since this was their required fees and not my money ). As a security measure, I contacted the bank and talked to XXXX of their representatives to make sure that the money was legally on deposit and that it could be withdrawn. She informed me that it was okay to make the withdrawal. After my withdrawal, approved by XXXX XXXX, someone removed the deposit leaving the " supposed legal responsibility '' in my name. 
In multiple attempted follow-up calls to XXXX XXXX and XXXX XXXX I received messages that said : " This number is not receiving calls. '' After this occurred, I contacted Capitol One and talked to many representatives in a number of departments about the fraudulent action - all of whom would either not discuss it with me or said there was nothing they could do about it. 
I have submitted reports on this fraudulent activity to multiple federal agencies and my local police department and, as of this date, have gotten no resolution. Capitol One did agree to stop interest charges and at one time deposited that interest money back into the account. Since that time, they have begun making additional interest charges. 
The most recent contact with Capitol One was on XXXX XXXX, when I sent a " return receipt '' letter to the person in their fraud department. He had requested this and said that he would follow up with me after my written communication. That has not happened, even though I received the return receipt from the post office. 
Since I did not set up this account and they released the money following my request for verification, I do not think that I am accountable for this account and the charges being made to me. Not one cent of this money was kept by me.
Chase bank is trying to increase my credit card account apr, that has stood for more than a decade at a fixed rate 9.99 % apr, to more than 15 % as a variable rate. 
I recieved a mail notification XX/XX/2018, and called in the same night. I went through 2 reps, the 2nd being XXXX, who maintained that even though the first rep said that I would be charged the new interest rate on existing balances, he was wrong and I would not be charged the new interest rate on existing balances. They also had no specific reason available in regards to my accout to justify the rate increase, merely profiteering.
Debt reporting negatively on Credit report for last 5 years and it doesn't belong to me.
I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.
Someone attempted to use my western union account to transfer {$400.00} to someone named XXXX XXXX in XXXX. Western Union charges {$25.00} for the transactions. The transaction was attempted via my online account but western union sent me an email to inform me that the transaction is under review. When I logged into my account I saw that the perpetrator use a credit card and I was able to see only the last XXXX digits of the card. The last XXXX digits does not match any of my current credit card. And the address on the card is a XXXX address. I live in XXXX. I assume that the perpetrator stole my identity and open a credit card under my name. I requested that the transaction be blocked by western union. Western declined to provide me with full credit card number. I have the last XXXX digits of card number and the address that was used. I am afraid that someone stole my identity and open a credit card account under my name in order to sent fraudulent wire transfers internationally.
I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.
Someone created a fake id and went to several stores opening credit accounts at the register. I 've submitted police reports to all the affected credit card companies. Saks continues to send statements indicating late payments. When I contact their customer service, I 'm advised its no big deal and that their fraud team is working on it. They will not allow me to speak to anyone in the fraud department, nor can they provide an address for me to send a certified letter to.
On XXXX XXXX, XXXX I got an email from XXXX XXXX stating that i have a new inquiry on my XXXX report. It states XXXX XXXX checked your XXXX credit report recently. I do not recognize this inquiry.
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification from US Bankcorp office that an account was opened using her information without her consent. She received a letter stating the issue was resolved however a review of her XXXX credit still has the fraudulent inquiry listed which is a violation for FCRA. An official dispute of this inquiry was provided to US Bankcorp XX/XX/2018 however as of this date, no reply or update has been provided.
I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, I went to a local branch of CHASE bank where I have a checking and savings account ( minimum balance of {$15000.00} maintained to avoid monthly charges ) and a couple of XXXX credit cards ( XXXX and CHASE Freedom ) and completed a new credit card application with a customer service representative. I have nothing negative to say about the representative or the branch manager who I also spoke with briefly. 


I was applying for the CHASE XXXX XXXX XXXX XXXX. I told them that I had been denied the card when I had previously applied for it last XX/XX/XXXX. I thought I'd reapply for it since it had been 8 months since the denial. The branch people did not discourage me from reapplying. They even called the credit card department and got a non-committal response from them. The reason for my optimism was that my FICO score during this entire 8-month period has been over XXXX and has been to the best of my recollection always rated Excellent ever since I recall checking my scores. 


Today, I received another rejection letter. The only reason given was that there were " too many credit cards opened in the last two years associated with you. '' I thought that the FICO score already reflected my having " too many credit cards opened in the recent past. '' In spite of that, my FICO score is and has always been exceptionally high. Incidentally, I did an honest analysis of my financial status using your XXXX XXXX XXXX and scored a respectable XXXX.
XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.
XXXX XXXX wrote of sums of money and sent it to Kenneth, Eisen & Associates, Ltd. 
Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX who place XXXX debt collection on my credit report. Only to find the amounts and monies owed to XXXX XXXX were erroneous, there has been no pre validation attempts by the above mentioned Debt Collector nor a 30 day dispute process the information was automatically just posted to my Credit report. After speaking With XXXX XXXX it was their error that this went into this state of collections. This collection agency needs to remove BOTH collection records on my Report.
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and XXXX.
I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
I was reviewing some of my old student loan documents. I did not find documentation for th e tworemaining loans with Nav ient. I requested the promissory no te. Navient sent me a promissory note with incorrect information and the note did not include a signature. The signature box was simply marked and a notation made that electronic signature was on file. I requested additional information from Navient including proof the loans belong to me ; to date I have received no documentation. In an effort to avoid these accounts affecting my credit, I make on-time payments every month and will continue to do so until this matter is resolved.
Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!
I submitted an online application for a capitalOne savor credit card and after the process I was approved and received a {$30000.00} line of credit on the credit card. I immediately called capitalOne and stated that I did not ask for a $ XXXX line and said it was too high and that I wanted to reduce the line to $ XXXX. This call with capitalOne was 5 minutes after the credit card was approved online. I was told that if I reduced the line to $ XXXX it would adversely affect my credit score. I then requested to cancel the account and was again told that if I did it would adversely affect my credit score. I have an excellent credit score and work hard to keep it that way. I am a very frustrated consumer. When you go into a bank and apply for a loan you state the loan amount requested so why can a credit card company unilaterally assign you a line of credit on a credit card? 

My issue : how can a credit card company unilaterally assign you a line of credit without first checking with the consumer and giving the consumer an opportunity to request that it be lower? This is an example of unfair credit practices and I feel that the CFPB should take action to protect consumers like me and to prevent unfair credit practices such as this one.
Received a letter from collections that I owe {$28.00} for a medical bill from XX/XX/2018. In fact this bill was paid on XX/XX/18. I called multiple times and explained that I paid this bill in full.