WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The Bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred Credit This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
this account is pulling my credit score by being on my credit. please remove this account from my credit file.
I stop trying to get information about my loans from Navient who was Sallie Mae before. I took a break from school and was paying my loans down. I got them down to around {$10000.00} dollars about before I decided to go back to school. Then during my time back at school my loan total shot up to {$58000.00} about, but it only cost me around {$25000.00} to finish back up. Roughly was thinking around {$35000.00} in debt to pay back when it's all said in done, but {$58000.00} I couldn't wrap my head around. Tried for 6 to 8 months to get information on how this number got so outrageously high in 2 years I was in school ; however, they would never tell me. 

I just want actual evidence of how this got to be so high, that seems rather highway robbery to rack up {$23000.00} in interest while in school. 

Then I'm seeing all these lawsuits against Sallie Mae and Navient which all of my loans are from. 

Just want to make sure everything is correct ; however, I can not get anywhere. 

Feels like something really shady since I can not get answers or metrics on how this happened while I was in school full-time. Aren't these loans suppose to freeze whilst in school. {$25000.00} to go back to school, and rack up about {$23000.00} in interest from {$10000.00} that I paid down to. It's very odd, and I would love answers. 

Thanks for your time, XXXX XXXX
My company opened a credit card with Wells Fargo at time of conception for myself, 100 % owner and guarantor of finances, and a signature only credit card for the secretary of the corporation, no ownership and no financial responsibility to the company. Being new to how a corporation credit card should be opened we believed it was done correctly. 
However when the secretary resigned I tried to close the credit card that was never activated and take him off the account to only be informed that he was placed as a guarantor of the corporation and the only way he could be removed is to payoff the card and open a new one. 
Was this fraud? Did the young man get paid for doing this? 
1 ) card was improperly opened 2 ) closing and reopening an established card causes a lot of issues to creditors and to my credit.
On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX XXXX TRANSUNION-XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions. 

*open dates are all conflicting *XXXX  is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
I have unauthorized credit inquiries on my XXXX credit from XXXX XXXX XXXX XXXX  and XXXX XXXX. I did not grant permission to access my credit report and did not select the checkbox. 
The policy clearly stated, " Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. '' If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' Further more i do not have a XXXX XXXX   account or have i 've ever applied for a  account. Please remove these credit inquiries immediately as XXXX did not have my permission to access my credit report. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Specialty Clothing Store Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX
Ive sent out a debt validation to Caine and Weiner company on XX/XX/XXXX/17 they could not validate this debt for {$120.00} because it wasnt mine so therefore they removed it. XXXX removed it off my credit report but XXXX did not! The debt is not mine and I would like it removed from my credit report as soon as possible
Portfolio Recovery Assos. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I receive periodical payments from the department of veterans affairs for travel to and from doctors appointments. I have received over 100 of these payments to my account. On XX/XX/2018 I received one for {$17.00}. On XX/XX/2018 my bank made a withdrawal on my account for {$17.00} without my permission.
I opened a Capital One money market account in early XX/XX/2018 in response to an offer in which they promised {$500.00} if I used offer code OFFER500 and made at least {$50000.00} in deposits between XX/XX/XXXX and XX/XX/XXXX. I deposited over {$50000.00} during this period and had met all terms of the offer on XX/XX/XXXX.

For your reference, these were the complete terms of the offer, available here : XXXX XXXX XXXX XXXX XXXX  " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX   on XX/XX/2018. When you open your account, enter your promotional codeOFFER500. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/2016, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account.

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. '' I had met all the requirements that Capital One had listed on XX/XX/XXXX, and should have been credited the {$500.00} by XX/XX/XXXX, but Capital One did not award the bonus. I spoke with a manager at Capital One subsequently and he insisted that my account would be denied the bonus because, according to him, the offer included minimum balance requirements and not {$50000.00} in deposits but rather " {$50000.00} in 'net ' deposits. '' The terms of the offer are unambiguous and do not include anything about " net '' deposits or minimum balance requirements, simply that I make over {$50000.00} in deposits within the time frame, which I did. The terms say " deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX on XX/XX/2018. '' It is really unfair for the bank to invent new conditions after the fact that were never part of the fine print that I agreed to when I opened the account. Capital One is trying to pull a bait & switch and change the terms of their contract. I met all the terms that the offer listed ; it is outrageous that the bank can try to make up new conditions that were never part of our agreement.
XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!
I have a total of {$150000.00} outstanding The issue is that my servicer for four of these loans, nelnet, has {$46000.00} split into two payments. One for {$140.00}, and the other for {$60.00}.

I thought it woukd make sense to consolidate these notes, however, once on StudentAid.gov, the option to consolidate raises the interest rate from 6.8 % to 6.875 %, and it raises my monthly payment amount for the Extended Fixed plan to {$320.00} per month.

Whereas, my current two payments are a total of {$200.00} per month.

A simple loan consolidation should cost less money in the long run, not more. 

I do not understand how these repayment estimates work : Standard You will pay a total of {$100000.00} over 360 months {$300.00} - $ XXXX/month Graduated You will pay a total of {$110000.00} over 360 months {$260.00} - $ XXXX/month Extended Fixed You will pay a total of {$96000.00} over 300 months {$320.00} - $ XXXX/month Extended Graduated You will pay a total of {$100000.00} over 300 months {$260.00} - {$45.00} Why am I scheduled to pay over twice what my loan principal is? 

$ XXXX/XXXX  = {$460.00} x 6.875 % = {$3100.00} + {$46000.00} = {$49000.00} total to pay back. 

However, the Government student loan industry expects me to pay : Standard : $ XXXX/ {$49000.00} = 220.8 % of the original loan terms. 

Graduated : $ XXXX/ {$49000.00} = 236.6 % of the original loan terms. 

Extended Fixed : $ XXXX {$49000.00} = 195.7 % of the original loan terms. 

Extended Graduated : $ XXXX/ {$49000.00} = 211.9 % of the original loan terms. 

I'd like to know how this is legal? If I had borrowed a 300 % payday loan every semester to cover my expenses, at least I could declare bankruptcy.
I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( XXXX, XXXX and Experian ) and they refuse to remove the accounts each time and now they are reflecting duplication.
i send a {$300.00} moneygram to XXXX. when he went to retreive the money. they were unable to look up the reference number. they want me to contact moneygram, which i did they told me to tell my nephew. to tell the agent in XXXX to call them while he is still there. which he did, all to no avail. i later went to XXXX where i made the money order they call moneygram and put me on the phone. they start asking me questions about why i send the money, who am sending to, and what the money am sending is for. at this point i start to get mad because this was not my first time sending money through moneygram, i have send as much as {$1000.00} before and nobdy make a big deal about it. i ask some of my fellow XXXX over here if they have experience anything like this.to my surprise the have, and because of that most of them have stop tranfering money throughj moneygram. the only solution i got from them is that the money been picked up but they cant tell me who pick up the money or the location the money was picked from. they gave me a complain case number, and that they going to do their investigation, which can last anywhere from 1 day to 90 days. i feel like they rob me off my money and say there is nothing you can do about it.
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE
When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.
Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!
I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.
Purchased a service through a vendor called XXXX. Was over charged for the service according to the price advertised for a similar service in the contractors reviews. The vendor would not give me a refund or adjustment, so I disputed the transaction on XX/XX/XXXX. Per the vendor, I had to wait until the charges actually posted on my credit card. Contacted the vendor on XX/XX/XXXX after the transaction posted. 

So far, the dispute is unresolved. I have received several letters from Chase bank that have conflicting information. The first letter advised that I needed to provide the same information that I provided on the dispute form online. The second letter advised that I did not need to send information. A third letter stated that the charge was legitimate, however, the dispute is still outstanding. 

I work in the mortgage industry, and am trained in recognizing fraud. The letters all appear to have varying font sizes, different nomenclature for the representatives signature, and one letter has " Page 2 '' on the back on the first page. Appears to have been printed off of a personal inkjet printer. 

Also sent a message to Chase via their secure message center on XX/XX/XXXX asking for a status and timeline for completion. Did not get any specifics. Typically a dispute does not take this long, it's approaching 90 days and I do not feel as though the charge is valid for the service provided. 

The amount is {$200.00}
My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX  ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX   AND WILL POSSIBLY SERVE JAIL TIME!
On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.
Over the last couple months, I have tried to have this collection account removed from my credit report. It is paid in full. I have emailed, called and left voice mails and mailed letters to have this removed. I have not received a response. I talked to the original creditor I owed the debt, and they said it should have been removed. Please, I just want it off of my credit report.
THIS IS MY 3RD DISPUTE TO  XXXX  AND EXPERIAN IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE