WillisBack/dataset-financial-user-claim huggingface dataset:
I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.
On XX/XX/XXXX I made a check deposit of XXXX at the Bank of America ATM machine. This is something I have done for many years. After making the deposit I received access of only {$300.00} which as expected. After sending out several bills knowing my payroll would also hit my account on XX/XX/XXXX and expecting several automatic payments to go through I proceeded to spend my money on items needed in preparation for my son wedding. I believe on XX/XX/XXXX I was looking at my email and found a email from Bank of America that my account was -XXXX. I called customer service and was told the deposit I made on the XX/XX/XXXX was placed on a hold because of something that was written on the check, indicating the check could be insufficient. I asked the lady how was I supposed to know that this would happen, she stated you would not have known. and why did I have to find it in my email. When I asked if I could come get the check and go cash it at the bank it was written on she told me there was no way they could do this. I explained to her that I needed this money and there was several transactions coming in and all the BOA was doing was holding my check and charging me for {$35.00} for everything that comes in knowing they have a check with sufficient funds. The check was printed by Texas Comptroller of Public Accounts. The warrant number:XXXX, which guarantee the funds and I was informed by the Texas Comptroller these funds are guaranteed. This has cause much anguish, and has basically been a nightmare for me. I have no money, I cant use any of my credit cards because they have declined all payments, and I just do n't know what to do. This is wrong, I have had this account with BOA for over 17 years and have never received such a disservice. I am no longer to move forward with my sons wedding because this has caused a 7 day delay, and I 'm just numb. I need someone to help this wrong be a right. I just cry everyday because the whole reason of me to get these extra funds was to get all of my bills paid and get ready for this which should have been a happy occasion. 

After speaking to the lady with BOA she said I 'm going to refund you one of the {$35.00} fee, but that was all she could do.
Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.
My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I have put a 90 day credit fraud alert on my file, but I also want to dispute the things that I saw and I do n't know how to do that. I tried to get my Free Annual Credit Report this morning and it asked me security questions about a mortgage I supposedly took out in XXXX, I could n't answer those questions because I NEVER had a mortgage before. It also asked about a retail card i took out THIS YEAR, NEVER had a retail card before. The second time I tried to get my FACR it asked me security questions about an auto loan in XXXX, I JUST GOT MY LICENSE YESTERDAY. I have NEVER had a car nor have I ever took out a loan for XXXX. It also asked about an installment loan, could n't answer that either because I have NEVER taken out a loan before. I want to fix this issue as soon as possible, but I do n't know where to start. PLEASE HELP ME.
Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.
I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : XXXX XXXX XXXX.
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XX/XX/XXXX. I filed multiple claims multiple times but they never got back to me or recredited my account. I do n't even see credits from large fraud charges to merchant named XXXX. There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges American Express is holding my liable for as of now that equals my total current balance. THis has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew AE would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against AE now using this CFPB service. They still have not done anything.
In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.
We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.
We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.
I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.
A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.
XXXX Total fails to remove incorrect information from my credit files. CREDITCHECK Total reports incorrectly that my Revolving Credit Usage is 990 % on Experian, XXXX and XXXX XXXX XXXX Total continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.
I received a letter from Oxford Law , LLC, which claims to represent XXXX XXXX , XXXX on XXXX/XXXX/15. 

The letter says that there an account # XXXX was open under my name ( XXXX XXXX ) with XXXX XXXX XXXX, and there is currently unpaid balance of {$3900.00} associated with the account. It also says that the debt was sold to XXXX XXXX , XXXX, which is trying to collect the unpaid balance through Oxford Law , LLC. 

On the other hand, I do not recognize the account # at all. I pulled a credit report from XXXX because of the letter. The aforementioned account was not listed in my credit report. None of the accounts listed in my credit report has ever had a single late payment history.
XXXX  REWARDS CARD BY  SyNCRNIciTY BANK. i  have had problems making payments on this card, because of that i have been chsrged {$35.00} each time. i cant make electronic payments through my bank because  XXXX  doesnt offer tqqhat option. i have to login everytime but my email is never recognized so i have to have a password change everytime. so if i dont have my card with me it wont allow me to. i dont get rewards ever or a statement so im not ever sure what i owe bcause i cant login.i believe this is a trick to stop payments from being on time in order to get late fees.there is no email contact only phone and no one ever answers.i pay all of my cc on time this is t he only one that   there is an issue. this is illegal.
I am writing this because Sallie Mae has wrongfully added a 60 day late notice on my credit reports in XX/XX/XXXX. Allow me to explain. 

I filed for a chapter XXXX bankruptcy on XX/XX/XXXX and the Bankruptcy Court initiated an automatic stay. Sallie Mae sent me my last statement on XX/XX/XXXX, and they deactivated my online account access once they received the automatic stay notice. The bankruptcy discharged on XX/XX/XXXX. Sallie Mae then sent me a letter on XX/XX/XXXX, notifying me that they noticed that the bankruptcy case was concluded and that they will be sending me correspondence relating to my loan and that they restored my online access. They then sent me my next statement on XX/XX/XXXX, and I proceeded to pay them. Now I check my credit report and it shows a 60 day late status on XX/XX/XXXX, which is between the time that the bankruptcy case was active, I received no bill for, and my online Sallie Mae account was deactivated. 

I have disputed this with the three major credit bureaus, of which I have only heard back from XXXX so far. The results of the dispute says " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I feel that Sallie Mae didn't even look at the facts I presented. I am trying to rebuild my credit after a bankruptcy and I do not need a recent 60 day late status showing on my credit reports. Please help me to correct this inaccuracy.
They keep calling constantly to collect a debt at any time of day or night. It isn't a person it's an automated call. I'm blocking the number and I'm getting thrashed with calls anyway.
I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.
Trans union had a computer breach in their system between XX/XX/2017 nd XX/XX/2017 that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result. This computer glitch which caused all of the collection accounts on my credit report to be deleted, and my credit score increased. The very next week all of the accounts were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XX/XX/2017 but they refuse to fix their error in my credit report. I am requesting that the reinserted collection accounts be permanently removed from my credit file. I demand the following collection accounts be removed immediately. XXXX XXXX XXXX act # XXXX in the amount of {$84.00}, XXXX XXXX acct # XXXX in the amount of {$510.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$610.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$890.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$860.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$780.00}.
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them I

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