WillisBack/dataset-financial-user-claim huggingface dataset:
I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.
The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX  reflects XXXX & XXXX reflects XXXX. 
XXXX  reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Hello, I recently pull my Experian Credit report and I noticed that i have incorrect personal information and unverified accounts, I have being sending some dispute letters to EXPERIAN for the personal and unverified account since XX/XX/2018 to XX/XX/2018 and they are still reporting on my credit report all this wrong information. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) wich they should have on file of the all accounts. they failure to positively verify those accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts and wrong information.
i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div
As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.
Equifax is not accurately verifying accounts or investigating disputes ... I have asked via letter for information of which they are using to verify my debt through original and 3rd party debt collectors .... I have received no original letters of authorization from the following listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX .... Moreover, XXXX account is listed multiple times with status or paid closed, derogatory closed, and card lost or stolen. Which indicates that after multiple disputes that the practices of this bureau are not following the rules under the FRCA ... Everything is currently under reinvestigation ... This is harming my reputation as a consumer .... I have placed a fraud alert on my credit report as well as with the FTC ... .I want all signed consent to inquiries be made available to me or asked that all inquiries that do not have authorized proof of documentation of my consent to be removed ....
Received a letter in the mail on XXXX XXXX, 2017 from FEARON FINANCIAL, LLC claiming we applied for a home loan but the property in question was sold a while back. i have not contacted them with regards to this letter & DID NOT apply for any loan.
- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX  XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
Capital One credit card closed 7 accounts and will not allow us to cash accumulated dollars towards a new XXXX XXXX product
XXXX Inquiries appeared on my Equifax credit report and Equifax in violation of the credit laws refuses to remove them. They need to be removed as they are not mine
I am filing a complaint against Transunion because of XXXX account # XXXX. Transunion is stating they will report this account until XXXX XXXX ; when the last payment made was XXXX XXXX, XXXX ; account should have been removed XXXX XXXX. They are refusing to delete this account from my credit report. I am attaching part of my Transunion Credit report dated : XXXX/XXXX/XXXX ; File # : XXXX. You will clearly see XXXX/XXXX/XXXX and you will also see removal of XXXX ; this date is 7 1/2 years past the date of last payment, not 7 years, please help me remove.
I called Navient about repayment options on my loans. I have two private loans, and it is difficult to pay the minimum monthly payments. When I called they advised me that they do not have repayment options available for me. Basically saying if you fall behind oh well, but these are your terms and we cant do anything for you. I need flexible payment options like extending the maturity date to lower the payments and a lower interest rate.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjust. I requested a validation on XX/XX/XXXX as the debt amount owed is not correct. On XX/XX/XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from National Credit Adjust and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XX/XX/XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and   XXXX   XXXX    XXXX   XXXX . charges on my report were charged without my knowledge.
PREFERRED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PREFERRED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PREFERRED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
when I was in my XXXX, I transferred schools. Then they began billing me as if I was no longer enrolled in school. I filled out forms and the financial aid dept at my university informed them I should have my payments deferred until graduation. unfortunately, none of that happened and my loans accumulated interest and late fees. I payed what I could and then could n't. it went into forbearance. I eventually was able to get a repayment plan based on income. however, I am still paying more than I should have.
This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.
Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office.
I have no knowledge of this account. I have never received any information on this account to my home.
XXXX credit card/XXXX credit cards applied in my name, fraudantly, refusing to remove the hard injury from my credit report for 2 years when this was not me that did this!!
My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!
previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.
EXPERIAN HAS BEEN REPORTING INNACURRATE BANKRUPTCY INFORMATION UNDER THE PUBLIC RECORDS SECTION OF MY CREDIT REPORT. YOU WILL FIND SUPPORTING DOCUMENTATION THAT PROVES EXPERIAN NEGLECTED TO INVESTIGATE THIS INFORMATION DESPITE SEVERAL REQUEST DATING BACK TO XX/XX/2016! 

EXPERIAN HAS BLATANTLY IGNORED MULTIPLE REQUEST TO REMOVE THIS BANKRUPTCY OFF MY REPORT, CLAIMING THE INFORMATION HAS BEEN VERIFIED BUT REFUSING TO PROVIDE ANY DETAILS ON THE METHOD OF VERIFICATION WHICH HAS BEEN REQUESTED NUMEROUS TIMES WITH NO RESPONSE. 

I EVEN PROVIDED EXPERIAN WITH A LETTER DIRECTLY FROM THE GEORGIA XXXX DISTRICT BANKRUPTCY COURT STATING THEY DON'T VERIFY ANY INFORMATION WITH 3RD PARTY REPORTING AGENCIES. THIS PROVES THAT EXPERIAN 'S CLAIM TO HAVE VERIFIED THE INFORMATION IS COMPLETELY IMPOSSIBLE BECAUSE THE COURT IS THE ONLY ONE WHO IS ABLE TO VERIFY THAT THE INFORMATION IS ACCURATE. EVEN AFTER BEING PROVIDED WITH THE LETTER, EXPERIAN RESPONDED AGAIN BY CLAIMING THEY VERIFIED THE INFORMATION, OBVIOUSLY INDICATING THAT NO INVESTIGATIONS ARE EVEN BEING PERFORMED AT ALL, EXPERIAN 'S JUST AUTOMATICALLY RESPONDING WITH THE SAME EXACT VERBIAGE FROM THE INITIAL DISPUTE IN 2016 WHICH IS COMPLETELY UNACCEPTABLE AND VIOLATES THE FCRA! 

I ALSO PROVIDED DOCUMENTS TO SHOW THAT EXPERIAN HAS A LONG HISTORY OF REPORTING INACCURATE PERSONAL IDENTIFIABLE INFORMATION ON MY CREDIT REPORT. FROM 2016 TO CURRENT YOU CAN SEE THAT EXPERIAN REPORTED SEVERAL VARIATIONS OF THE WRONG SOCIAL SECURITY NUMBER, UNKNOWN ADDRESSES, EVEN THE WRONG NAME ON MY REPORT. I FIND THIS ENTIRE SITUATION COMPLETELY UNACCEPTABLE AND DEFINITELY UNFAIR. I'M ON XXXX XXXX AND HAVE SERVED FOR 14 YEARS IN THE UNITED STATES XXXX BUT DUE TO THIS INACCURATE INFORMATION I AM UNABLE TO EVEN GET APPROVED TO PURCHASE A HOME FOR MY FAMILY USING THE VA LOAN. I AM FORCED TO LIVE APART FROM MY WIFE AND CHILDREN DUE TO MY LOCATION UNDER MILITARY ORDERS AS A RESULT. PLEASE HELP ME IN GETTING THIS INFORMATION CORRECTED. THANK YOU FOR YOUR CONSIDERATION.
I recently began to receive calls from collection agencies for accounts that I never opened. I reviewed my free credit report, and found several accounts, including student loans that I never applied for. I have initiated an investigation, and added a fraud alert.
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.
In XXXX of 2015 I closed my credit card account with Bank of America. In XXXX of 2015, a company attempted to process an annual recurring charge of {$99.00} to the closed account. Bank of America accepted this charge, even though the account had been closed for seven months, and then sent me a statement requiring payment. I immediately contacted Bank of America to inquire why they accepted a charge on the account, even though the account was closed. Their response was that it is Bank of America policy to accept recurring charges, regardless of whether an account is open or closed. 
I have made numerous calls to Bank of America requesting that this charge be taken off of my account, due to the fact that the account was closed seven months prior to the charge being submitted. They have refused to remove the charge, and have taken the position that I am responsible for paying the {$99.00}. 
It is my contention that they should have never accepted any charge to an account that has been closed. They have been uncooperative with my attempts to rectify the situation, and I am requesting that your agency intervene to assist me with this matter.
on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
I have an address of XXXX XXXX XXXX, XXXX, Ca. XXXX listed on my credit report and I have never lived in Ca.
I have several inquiries that are showing on my report - I did not authorize any of them. Please see attached letter enclosed, along w/my drivers license and social security card, for identity purposes.
I recently received a summons and complaint from RVO Law, a representative of XXXX XXXX XXXX XXXX assignee of XXXX XXXX Bank on XXXX XXXX, 2015. I contacted RVO law on XXXX XXXX explaining my shock to the summons. I finally spoke to an individual named XXXX on XXXX XXXX, 2015. She explained that they had recently acquired a debt they believed belonged to me. This was the first exchange I 've ever had with RVO law. 

XXXX explained to me RVO was willing to take a settlement, avoiding any legal action. She requested bank statements, expenses, and personal information, data a collection agency has never asked of me before. This immediately sent up red flags for me. I have already been served with summons that I am obligated to respond to regardless of some agreement made post-haste. I had never been contacted by RVO law before receiving a summons. 

I am writing this complaint because I was never properly confronted about this debt by this particular collection agency. When I received this lawsuit I was dissuaded to respond ( to the summons ) although the wheels had been set in motion. Had I not contacted and spoke with a consumer financial protection bureau personnel I would have taken the incorrect course of action based off the miss information of the debt collection agency relayed to me, failing to respond to a lawsuit.
This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.