WillisBack/dataset-financial-user-claim huggingface dataset:
Upon checking my credit score i noticed a loan for XXXX from a company called lending club corporation i have disputed this account with all 3 credit bureas and XXXX and XXXX  removed the account but XXXX has not removed this account from my credit account XXXX provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my XXXX score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened may XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my XXXX  credit account or else.
I have submitted a valid police report to Experian, and XXXX since XXXX of 2018. Experian and XXXX  advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons.

I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit  monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from JXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
On XX/XX/XXXX I sent a letter to Portfolio Recovery for an account on my credit that is not mine. Copy of my letter attached. I asked them for signed credit application and one statement. on XX/XX/XXXX Portfolio replies that they need my request in writing ( Mind you, I did it in writing then how and why did they reply to me?. ) Their Letter is attached with my reply.On XX/XX/XXXX, They sent me a copy of a statement as proof of debt. On XX/XX/XXXX I reply that the address on the statement is not my address, therefore this shows that the account was opened via fraud. Copy of statement showing wrong address attached. on XX/XX/XXXX they replied that they did not receive the information they requested from me and that they cant complete the investigation to which I replied that I did reply and requested a fraud packet ( Copy of their letter and my response attached ). on XX/XX/XXXX they replied again that since they did not receive the information requested they were terminating the investigation to which I replied what additional information they want from me on an account that is not mine.on XX/XX/XXXX Again they replied that they have not received the information requested and can't complete the investigation. ( Copy of their letter and my reply dated XX/XX/XXXX attached ). On XX/XX/XXXX They said the same thing, they have not received information from me. I replied today XX/XX/XXXX, attached is their letter and my reply. As you can see this company plays cat and mouse and keeps ignoring the fact that I already told them that the credit card statement they sent me contains an address that is not mine, copy of that statement is attached for proof. I no longer know what to do with this company I previously filed a complaint against them and they sent proof, yes but with an address that I never lived at so here goes my complaint again, lets see what they respond to you now. I can play this game with them eternally, let 's see what games they play with you the CFPB.
these bills were made when I was taken by the XXXX to the hospital for XXXX. I was found to be legally XXXX XXXX/XXXX/2011 and recieved medicaid that paid all my medical bills up to two years before I recieved medicaid. I also filled out the hospital charity form that was supposed to pay as much as XXXX % of the bills. As you can see by the differant dates I went to the hospital more than once and filled out that form each time. I submited the bills to medicaid.
They start calling at XXXX and they do n't stop until XXXX est. they are calling me on XXXX 's now too. This is the number they just called me from on XXXX XXXX ( XXXX ) XXXXXXXXVA, USA
In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.
XXXX -XXXX XXXX XXXX it was reported through cfpb, it was taken off on credit report, not the others, I was n't my debt in the beginning I ask for the original bill they only sent a piece of the bill, the address and everything was incorrect, I ask to pay a percentage to take off even though it was n't mine, they refuse I ask that it be investigated and delete to all reporting bearu
judgement has been settled and want the credit bureau to report the judgement and the account as settled.
XXXX   XXXX  PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.
This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.
MAJOR issue here. Back i n  XX/XX/XXXX , I contacted Chase after I received a letter about an Amazon.com Chase credit card application denial after nev er submitting an application. I contacted Chase, and they told me they would  remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XX/XX/XXXX , and  I 'm still regularly ( at least 2 times a month ) receiving application denials for the  Amazon.com Ch  ase  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  Chase, again, and was told they 'd remove the inquiries, even the one  fr om  XX/XX/XXXX  still on m y credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date  XXXX  is showing : Company Information : CHASE CARD Date of Inquiry :  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX     XXXX   is showing : CHASE CARD Date :   XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date : XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  An d   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with Chase bank, and  Amazon. Although this is n't so much Amazon 's issue as they 've reset my Amazon account thinking I was a victim of a hacked Amazon account. Even after that, the issue is still occurring even after Amazon reset  my account information. The issue is n't so much w ith Amazon, b ut with Chase repeatedly processing unauthorized credit requests for the Amazon.com Chase credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. 
XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.
Numerous issues but what is very concerning is after months of submitting and resubmitting documentation I find out that the submitted documents were uploaded and labeled incorrectly which slowed the process down to an already ridiculous turn around time. Then I have to hear every time I call how their doing their job so well, really? Also I have been told of XXXX different possibilities of the outcome of this modification then the last person I spoke with tells me there is really only XXXX possibility and its not really going to help and it is unlikely the rate will get reduced at all then after I state others have told me of rate reduction the person stated well it could go down a little but not even a percent lower. The last issue I want to mention is that this loan was being serviced at XXXX and a week before transferring to Seterus the loan modification had been submitted for a final approval all documents were received in and accepted the broker price opinion was ordered and then the loan servicing transferred on XXXX/XXXX/2015. I was told the loan should at least transfer with that status, but it did not as I had to redo the loan modification package for Seterus and resend information numerous times because nobody is rarely on the same page and paperwork is labeled incorrectly. Should the status have stayed the same since the investors of the loan have not changed? I have sent everything in that is asked for and many times I have been told different or wrong information I once spent {$17.00} at XXXX to make sure the documents faxed were received. I have with the help of my wife done what has been asked and as of a week ago everything is in we now have a 30-45 day wait for the documents to get reviewed by a processor that is a long time to know if more documentation is needed, then in the meantime how much paperwork is set to expire??? At this rate it will never get done. After mislabeling our paperwork for weeks you really cant accelerate our documents for review. But your ready to accelerate the mortgage.
At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.
Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.
1. I attest that I am XXXX XXXX writing this alone from research I have done online. 

2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX. 

3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC 's to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.

4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status. 
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors. 

6. In XXXX  Credit Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are " Terms 1 month '' and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX. 

7. In XXXX Credit Report, XXXX XXXX reports as an " Other '' account instead of the designated Collection Account, and can not according to Metro2 - as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX  Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX " Opening '' the account and closing the account for past several months since I started disputing this information. 

The following : INFORMATION ONLY FROM METRO2 -- -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.
Equifax did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.
I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.
A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.
About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.
This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX   Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX