WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately. 

( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX
I paid off my son 's XXXX XXXX loan in XXXX of 2009. Last year Navient contacted him at work and threatened him with collection if he did not agree to begin making payments. Not understanding that this was not a debt he owed, he agreed. When the amount they were demanding went up after 9 months, he contacted me. I sent them all of my documentation proving the loan had been paid in full three weeks ago. Nothing has been done to erase this debt, nor have I been able to reach a supervisor in the fraud dept -- today I have been on hold for almost two hours. This is ridiculous! I want this loan removed, and the money he sent them under duress refunded.
Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.
Ive send certified letters to the companys listed below asking them to validate this debit. I have not as of this day received anything back in writing validating the debit.
XXXX is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.
Equifax reinserted a previously deleted item and refuses to remove it but sends a response that this has been verified. 
Attached are my credit reports that prove this information was found to be incorrect and removed from my credit report. 
I spoke to XXXX at Equifax XXXX reference number XXXX who also confirmed that the bankruptcy was removed off my record and reinstated WITHOUT proper notification on XXXX/XXXX/XXXX. 
Attached is credit file from XXXX/XXXX/XXXX Confirmation # XXXX that lists the Bankruptcy Filed XXXX XXXX, Also attached is credit file XXXX/XXXX/XXXX confirmation # XXXX with the Bankruptcy REMOVED, credit file XXXX/XXXX/XXXX confirmation # XXXX has the account reinserted to my credit record. 
This is against the law and needs to be removed from my credit report immediately. If this is not removed off my credit report by XXXX/XXXX/XXXX I will be filing small claims action against Equifax. 
DO NOT RESPOND THAT YOU HAVE VERIFIED THIS ACCOUNT, THIS IS NOT THE ISSUE. THE ISSUE IS YOU BROKE THE LAW BY REINSERTING THIS ITEM TO MY CREDIT REPORT.
I have a credit card with XXXX XXXX Citibank XXXX which I have not used in many years. I recently checked my credit and they had applied {$10.00} to my account reflecting it was over 60 days. I did not receive anything to even let me know I owed them. I telephoned them and was told there was nothing they could do. They had tried to contact me on an email address I have n't had for several years. There was no effort to contact me by mail until yesterday when I received an alert ( after the fact ). This incident dinged by credit for XXXX points. After talking to them it seems the charge was for having an account. I feel it is very unfair to report an over XXXX when the consumer was not even made aware. Like I mentioned, that card has not been used for years. I went ahead and paid the {$10.00} that they were claiming I owed. However, I feel the fair and right thing to do is to remove that from my credit report.
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    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    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   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  ,   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   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX
We fell into desperate which caused us to fall behind in our bill payments impacting our credit scores to be bad. We have worked real hard to move forward in paying our Bill 's on time and have seen our scores impacted for the positive. We were shocked to find collections added to our credit file from a debt from XXXX which caused a huge drop in our scores. With this being said, creditors are maneuvering reporting just to drive our scores down and making the hard work that we have done to improve our scores to be of non effect. This should totally against the law causing middle class Americans to never get ahead. One young lady has a debt on her account from XXXX which the credit agencies refuse to move. What should be done to create a law to protect us and keep companies from using this tactic hoping for payments. 

XXXX XXXX XXXX
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.
On yesterday, XXXX XXXX, I spoke to a supposedly representative of Ad Astra recovery services to address the debt reported on my credit report. I was asked to share my social security number which I did n't feel comfortable sharing. I asked for more information about the collection agency, which the person by the name of XXXX shared the location but she would not give me her last name. I made the mistake of sharing my social security number because the agency sounded legitimate and it still may be but I felt very uneasy after sharing that information. I told her that I will not make payment arrangements until I receive something in writing to verify the debt which she said they are able to do. She stated that I will receive a letter in the mail within 7-10days. I believe the debt may be valid but I 'm not sure about the agency or the person I spoke too. My main concern is that they now have my social security number.
In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.
On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.
Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.
After logging complaints to your agency about not being able to access my account at TD Bank and having that issue resolved, TD Bank is now continuing to block me out of my account because I'd mentioned to management in writing that my bankcard has been functioning perfectly at unfamiliar ATM 's for almost a year which contradicts their position that my account had been red flagged due to me using ATM 's that were not used to my banking history. In short, because I've proven that their claims of me not having the correct ID or combination of ID 's to access my account for security reasons and identity theft wasn't a credible stance since the bankcard was never blocked while I'd used it at several unfamiliar ATM 's moving forward, the bank has now blocked the card after not blocking it before for almost a year since I've moved back to my old borough in the XXXX in XX/XX/2017.
I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient.

They have mailed me an generic document on how to repay the debt but that's it.

My total Debt {$110000.00}.
i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.
Repeated phone calls to family members. Called yesterday the XX/XX/XXXX Called XX/XX/XXXX Called XX/XX/XXXX and XX/XX/XXXX.
This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.
XXXX XXXX XXXX XXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
I tired to make a purchase on XX/XX/2018. I called Citibank credit card and they could not verify my account through the phone number I gave them. They said they would send a verification letter in the mail. 3 weeks and several phone calls and I still cant use my card, pay my bill, log into my account, or even report the card stolen. They asked for another credit card number to verify. I gave them my XXXX XXXX  card number that Ive had over 3 years. They still couldnt verify my account. They are doing nothing to resolve the situation. I got my bill in which I cant pay but no way mail to verify the account. I asked them to send an email. They wouldnt do that. I cant make a payment or report the card stolen and I am worried they will try to make me pay a late fee.
For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX
I have had difficulty with this account. While I was traveling XXXX, I could not answer their calls. 

The company called my employer to verify my employment. This caused me significant embarrassment given that the company had already verified my employment. I signed a release to this effect but assumed it was for the purpose of verifying my eligibility for the original loan. 

I have asked the company to stop calling me. I have asked the company verbally and in writing. The contacting of my employer a second time makes me feel harassed and intimidated. The only reason I did not call them back was because I was traveling XXXX.
Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :
I went to Volkswagen in XXXX XXXX MO when I was XXXX years old to look at getting my first car. I was asked by the car salesman to call my mom and see if she would co-sign for me. He explained that I might be able to get a better deal if she did so. After she agreed he immediately started showing me new vehicles. He suggested a lease knowing I could not pay anything over {$500.00} stating that this is better deal. He misconstrued what a lease was and the features on the contract. He stated that when I got to 48,000 miles ( or 4 years whichever came sooner ) the lease would be over and I could end it or trade it in for a new car. When I was nearing this amount of miles I went back to the dealership to discuss my options. The person I spoke to said that everything I said I was told is incorrect and because I was at this mileage at this point in my contract I would be subject to thousands of dollars in fees and suggested I switched to a purchase. I am XXXX now and barely able to survive after making my rent and car payment. I have tried to look at trading it in but I owe about {$22000.00} more than it is worth and nobody can help me. I believe Volkswagen took advantage of my ignorance and lied when explaining the specifics of my contract to me verbally. I have submitted several written complaints via email from Volkswagen Credits website and have never received any response.
In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.
I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.
I currently bank with Wells Fargo. Back in XX/XX/XXXX I opened a credit card through the bank. This past month I realized that my credit card was being charged a monthly fee of {$31.00} for " Credit Defense XXXX ''. When I realize this I immediately went into a branch to research what the charges were for and why they were happening. I spoke to a card services representative who indicated that the service was for in the event that I would become XXXX this was insurance on the card to make the minimum payment for me. I did not enroll or consent to such a service. The bank asked for 10 days to respond to me in writing, which they did ; indicating that they had confirmed that I did not enroll in the service. " As a courtesy '' they were going to refund my account {$180.00} for the past 6 months of service charges. The charges began appearing on my bill in XX/XX/XXXX meaning for the services alone ( not including interest charges and other fees ) they owe me a refund of at least {$330.00} which they are refusing to pay.