WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED XXXX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXXXX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX : :XXXX XXXX XXXX XX/XX/XXXX
I purchased a vacation package through a company called " XXXX. '' Within a few days they were not responding so i made ever effort to cancel. finally i filed a dispute with Citi Card a few days later. I can provide a number of documents that show this company just steals money, provides no services. They promised to buy my old timeshare from a company called " XXXX '' that did not happen. So Citi Card took the charge off, put it back on, took it off and once again put it back on. I did file a dispute less than a week after the purchase and provided them with all of the info and they wo n't give me any details as to why they keep putting it back on.
Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. 

XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.
For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX XXXX
I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
In XX/XX/XXXX I refinanced my condo with XXXX 
When they had the appraisal done, it appraised for {$620000.00}. I had several financial obligations that year, because of a nasty divorce. They told me I had to have a XXXX XXXX Balloon loan, with the Bank of America. I have had this loan since XX/XX/XXXX. The principal balance is {$75000.00} at a interest rate of XXXX %. My payment is {$650.00} a month. {$110.00} goes to the principal and {$530.00} is interest. 
I have banked with the Bank of America for XXXX years. I have had several credit card accounts and this loan. I paid all the accounts off and never missed a payment on this mortgage loan. 
I was forced to retire in XX/XX/XXXX, because of a buy out. I 'm living on Social Security and a small pension. I called the bank to refinance my loan. They told me that I could n't refinance, because I 'm not working. 
She said the only thing they could offer me was a modification plan. I filled out all the information they needed in XX/XX/XXXX. I finally received a letter of congratulations!!! I was approved for a XXXX Amortization Modification Program. 
With a XXXX month trial payment of {$290.00} stating that my monthly payment amount may change over the life of my loan and could be higher than the initial monthly payment. The interest rate stays at XXXX % and my credit score can be affected by entering into a trial period or accepting a permanent modification. 
I have not paid the trial payment, because I do n't want my credit affected and I do n't agree with this plan. 
The bank told me the only option I have is to appeal the modification. 
I called to appeal, and was told there is n't anything I can do!!!!! I asked XXXX about XXXX years of loyalty to the bank. He told me that even if I was in foreclosure or missing payments I would be treated the same. He said that the bank treats everyone the same way!!!! 
The banks were given options when they were bailed out. I 'm XXXX and worked hard to maintain my credit. I feel they are holding me XXXX, because they can!!!!
Victim of inquiry issue by TransUnion Credit Bureau, section 611 of the Fair Credit act failed to inform me re-recording credit breach negative inquiry.. TransUnion customer service would not help and take care of negative inquires reporting to my credit report. File no. XXXX
I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX  report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.
I want full validation on my student loans. How much is owed. Where was the money applied to and why are there extra charges.
Transunion removed XXXX collections accounts as well as XXXX hard inquiries on XXXX/XXXX/17. After doing so they reinserted them on XXXX/XXXX/17 without proper notification. That is in violation with the Fair Credit Reporting Act and I am requesting permanent removal of these accounts. I spoke with 2 Special Handling agents and they refused to take responsibility for the error. Nor could they explain to me how it happened and they refused to remove it from my report.
XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX
I have 20 missed payments from Navient on my credit reports from all three credit bureaus, XXXX, XXXX and XXXX that I want removed. I have been sending Navient letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that XXXX sued Navient because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of Navient offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
MY LOAN HAVE GONE UP TO A VERY HIGH AMOUNT THAT IN CAN'T PAY WITH THE INTEREST THEY HAVE ON THIS LOAN. MY LOAN IS GONE UP TO XXXX XXXX XXXX OF DOLLAR, I JUST CA'T AFFORD IT.
This On-Site company has abused this service that reports inaccurate and bogus credit reporting information to a leasing agents by the name of XXXX Apartments and whomever else they have accounts established here in XXXX XXXX, NV. They asked me to submit documentation to support my disputes for all disputes and discrepancies, and have submitted from both official documents from the US Federal Bankruptcy court of the list of debts discharged in my BK-XXXX on XXXX XXXX, XXXX and a XXXX XXXX XXXX Police report dated XX/XX/XXXX and XX/XX/XXXX of my stolen/lost ID and various other personal information for accounts opened in XXXX that are not mine. Yet XXXX did not do their due diligence to review my official documents to clear my credit file and gave XXXX XXXX a recommendation to not lease to me at the XXXX XXXX. Also, they are incorrectly reporting an old case that was erroneously filed by XXXX XXXX, where I initially leased back in XXXX. That situation has been RESCINDED and cleared from XXXX County public records. And should not have been filed in the first place since the situation was taken care of and paid in full prior to filing the Summary Motion from XXXX XXXX. XXXX XXXX will be addressed accordingly. On-site rental reporting company has created damages to my reputation and integrity to have their damaging and inaccurate report. sent to prospective landowners/leasing agents. I have been in the mortgage lending industry since XX/XX/XXXX, and On-Site.com is violating FCRA and XXXX Credit laws, US Federal Bankruptcy laws and now stated defamatory remarks to my personal character and integrity on their ill reports which in turn prevents me from living a safe and comfortable lifestyle They have not properly researched for truth or accuracy, yet refuses to accept my official supporting documentation. Nor has XXXX conducted reasonable investigation of my disputes, they are reporting incomplete and inaccurate information, and have refused to accept my documentation to verify and report debts that are paid in full.
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.
I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.
I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying Transunion,   XXXX   and   XXXX   that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal  duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
This complaint about XXXX cobranded credit card issued by XXXX XXXX. The payment is due by XXXX XXXX EST on the due date and there is no way to pay before XXXX and NOT incur a late fee. General practices for financial institutions is to effective date payments received after the cutoff time to the benefit of the customer. But this bank does not do it.
This is a continue of your case # XXXX- PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on 05/08/2018- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX Ca XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted XXXX invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed XXXX : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XX/XX/XXXX to XXXX let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XX/XX/XXXX and XX/XX/XXXX none were XXXX : PORTFOLIO RECOVERY ASSOC has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
Approx. 10 yrs. ago, I filed for bankruptcy. During the bankruptcy proceedings I agreed to continue to making payments on a bank loan. I have faithfully made these payments in a timely manner. Recently applied for credit and was denied, because I did not have a " FICO SCORE ''. I contacted the bank and asked why they have n't been reporting my credit history to any of the national credit reporting agencies. Their reply was that they have been. I contacted Experian reporting agency and they claim that they are receiving no info from the bank. Both the bank and XXXX, just have me going in circles. Can you Please help me rectify this matter.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I have disputed XXXX XXXX XXXX ACCOUNT XXXX and they are claiming that the information they are reporting is correct and verified! Even the credit bureaus report that the issue has been resolved according to the creditor. The issue was not resolved and definitely incorrect and has been reported for several years which cost me a lot financially. The mentioned account is a secured credit card for only {$300.00} and XXXX is charging me SEVEN TIMES the original amount! From what I 've read online, according to TILA ( TRUTH IN LENDING ACT ), legally, only 10 % interest can be charged. These incorrect pieces of information they are reporting has damaged my creditworthiness for several years. I could not even afford the interest for new loans. They gravely violated FCRA and TILA.
id theft victim sent po report inaccurate information sent all the violation to XXXX, XXXX, equifax
I have been disputing negative marks on my credit report with 2 collection firms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Name XXXX XXXX XXXX XXXX for : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct XXXX for {$850.00} that failed to provide the method of validation after 3 dispute letters XX/XX/2018 First letter for a method of validation XX/XX/2018 First letter for Statue of Limitations XX/XX/2018 second letter for a method of validation XX/XX/2018 second letter for Statue of Limitation XX/XX/2018 third letter for a method of validation XX/XX/2018 third letter for Statue of Limitation All 3 credit bureau also claim that they verified my dispute inquiry on the 2 negative marks, but fail to provide me how it was verified and by who. Neither of the 2 collection firms and of the 3 credit reporting bureau 's have provided me the method of validation and/or contracts that bear my signature on these so-called alleged debts.

They just keep sending me bill statements that are not a method of Validation.

And after looking into the alleged debt they failed to provide me verification/validation.

I was advised to speak with a representative from my states Attorney Generals office regard Statute of Limitation. I have sent letters to both the 2 firms and 3 credit bureaus regarding the Statute of Limitation in my State of Florida.

In Florida, the statute lasts five years for a written contract and four years for a credit card account. 
95.11 : Actions other than for recovery of real property shall be commenced as follows : ( 2 ) Within five years.

( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument ( 3 ) Within four years.

( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.

Florida Debt Collection Statutes of Limitation Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ).

Regardless, if a debt collector or a debt buyer that has taken over the debt files a lawsuit on a debt where the statute of limitations has expired, not only can you dismiss the case, but you may have rights to pursue that collector or buyer under the Fair Debt Collection Practices Act.

The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA.

The statute of limitations " clock '' starts ticking on the date of last activity on the alleged account. Typically this is the date of last made payment. 

None of either side have acknowledged the Statute of limitation dispute. They just keep sending me a billing statement from the original creditor and telling me they verified but failed to provide validation of these accounts and/or actually documentation the have my signature
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
I applied XX/XX/2018 through XXXX XXXX to acquire an American Express ( AMEX ) credit card. There are several false and highly misleading aspects of this process : 1 ) The number they have issued to me over the internet is not a credit card number according to the AMEX help center at XXXX. 
2 ) The AMEX web site states a credit limit of {$2000.00} which is fine ; what they did not disclose is that it can only be used for XXXX, not any other seller. This is a critical failure to fully disclose a limitation which renders the card useless to me at this time, as I intended to use it at another online vendor. 
3 ) The AMEX site states a delivery time for the actual card to be 3-5 days ; the help line above quotes 7-10 days. This is a false statement. 
4 ) The new card help line ( XXXX ) states the new card can not be delivered within the 3 day window which would have been helpful to me, and states they can not expedite the card to overnight status within the USPS. They stated if I had requested the expedited delivery while I was applying, they could have done that. Again, failure to disclose an option during the process that was refused after the fact. 

They require a {$2000.00} charge to validate an airline miles award which must be done within 90 days. It will be interesting to see if they renege on this one also. 

If the card can be overnight delivered to me, and can be used at other vendors than XXXX, my problem would go away.
To Whom It May Concern : I reviewed a copy of my credit report and the following company ran an unauthorized credit inquiry on me on my account. This is not a factual record In fact I spoke with the company and thry promised to remove this Inquire and not publish it as a soft hit either because I did not give permission nor did I consent of any kind I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact this company and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting all the names you contacted to verify this was factual. You have 30 days to remove this from all there credit agencies and report it correctly. If not I shall seek an attorney to represent me in a Court of law. I will also send you a certified mail of this exact letter. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX