WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XX/XX/XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XX/XX/XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

Experian responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXX and Experian has not responded. 

XXXX responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.
Total XXXX  XXXX expunged my student loans because I am totally and XXXX XXXX. Then the nelnet office reinstated them even though I get SSI and my doctor signed their paperwork like 25 different times on 25 application for about 15 years.
I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....
Nationstar Mortgage company paid another client 's mortgage insurance out of our escrow account in XX/XX/XXXX in the amount of {$5300.00}. We had not realized the error until XX/XX/XXXX when we were notified from XXXX that our insurance had not been paid. Our insurance payment is {$3800.00}. I contacted Nationstar and was informed that an error was made. Our insurance was then paid by them but the {$5300.00} was never replaced in our escrow as we are told it ca n't be until they receive money from the client that they paid the insurance. They are unable to contact the client and therefore say our money ca n't be replaced. I keep being assured after numerous phone calls it will be taken care of with no results. Yesterday an escrow analysis was posted to our account and states our monthly payment is going to be increased more than {$400.00} per month beginning XX/XX/XXXX ( due to their error ). 
They fully admit they made a mistake - we were told the other client 's name was vaguely similar and had an account with them - but does not pay insurance out of escrow - so they are sorry but they have to get money from them. 
I have spent hours on the phone since XX/XX/XXXX and keep being told they are investigating the error - but have not credited our escrow which now is in a negative balance. I feel our escrow money has been fraudulently compromised and needs to be replaced immediately.
I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}
I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.
Received XXXX Mortgage statement from Chase and saw that they charged my escrow account {$1000.00} on XX/XX/XXXX for XXXX insurance. I have the required building and hazard insurance, as well as my owner 's policy. I never signed up for XXXX insurance, was never notified I needed it, and certainly never authorized Chase to charge my escrow account for it. I contacted Chase customer service at XXXX and they spoke to their insurance department at XXXX XXXX. They agreed I did not need the insurance and said they would remove. They provided confirmation # XXXX and said I would receive written confirmation in the mail. I never received and then received an escrow analysis that my monthly payment would be increasing on XX/XX/XXXX to cover the XXXX insurance. I contacted Chase again on XXXX and they said it was still pending, but that they updated the pending status and that my escrow account should be credited within a few days and that I should call back to order another escrow analysis, which will correct my payment. I contacted Chase again on XXXX and the credit was still not provided and they hung up on me. How many people are they doing this to? They had no authorization whatsoever to charge me for this.
I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.
I am a victim of the " Hardest Hit '' in employment & mortgage during this economic downturn. My mortgage was originally with XXXX XXXX, refinanced through XXXX XXXX for a fixed interest rate, after XXXX failed, XXXX XXXX took over, and from XXXX XXXX until XXXX XXXX, it has been a constant battle to keep my home. I do not believe XXXX XXXX ever had the legal right to collect funds and harass me with foreclosure. In XXXX XXXX, XXXX XXXX trans- ferred my mortgage to Bayview Loan Servicing LLC . Florida. Bayview was to continue where XXXX XXXX left off and that was a newly approved Short Sale application. Well Bayview did not honor this plan and has cancelled the Short Sale process, did not offer an alternative plan to help me stay in my home, until I asked would they consider a modification, with the principle reduction offered by XXXX XXXX and sent them the information from XXXX XXXX website. Bayview sent me the documents to apply for a modification, but during the process I was asked for documents that was included in the package, that I mailed certified and while getting the information, I received a notice from XXXX stating they were handling a foreclosure on behalf of Bayview. So now, Bayview is saying they will not stop the fore- closure unless there is either an offer for a Short Sale, or an approved modification, and they are not honoring either one! There is a sale date of XXXX XXXX, XXXX! I thought it was a Federal rule that during appli- cation for an alternative work-out plan a foreclosure could not be pro- cessed. I filed a complaint with XXXX XXXX, but their agent is in agree- ment with Bayview , saying they should have an answer for me about the modification, but weeks have gone by and the foreclosure sale date is in thirty days. 
If you can help me with this matter, I appreciate it.
Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau
In XXXX 2016 I began Disputing Items with TransUnion on my credit report, 1 Specific irem from XXXX XXXX XXXX XXXX XXXX late payment. After numerous attempts sending certified letter, and phone calls ; Transunion continues to validate this entry. I took m matter into my own hands and sent a certified letter to XXXX at the address that Transunion provided on the credit report sent with the results of their investigation. This letter was returned to me by the USPS undeliverable, I even tried to call by the phone number provided, that was and still is a non working number. I have uploaded documents supporting my claim.
Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.
I requested a copy of my report free as i was denied credit from XXXX on XX/XX/2018 based on their report and the response was that i have already recieved my free annual credit report. i called them and explained that i am requesting another one due to an adverse action against me based on the information they have on me. i was told i still needed to pay for it.
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( Experian & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( Experian & XXXX  ) Identity Theft Account : XXXX XXXX XXXX  ( Experian & XXXX ) Inquiries : XXXX XXXX XXXX ( 2 Times )XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
I applied for 3 credit cards from Barclay Bank after receiving many solicitation pieces from them. I was approved for 2 and the 3rd required me to call in for verify some information. I called in and based on their criteria they were unable to verify my information and they then placed a restriction on all of the accounts. They requested I send a copy of my social security card front/back, drivers license front/back and utility bill front/back. I told them I would not send my personal information by mail especially not a copy of my social security card and I requested to get it resolved in a different way. Representative told me at this time they could only verify by mail. I 've called at least 3 times to get this resolved and I get the same answers from them. Since I 've opened these accounts which I have not been able to use I received my first bill which I quickly paid online in full for the annual fee charge. I continue to receive their solicitation to my home address and letters requesting I call and verify my information before they will take the restrictions off all of my cards. I need your help to resolve this. 

Thank you.
I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX  XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.
I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
On XXXX XXXX 2016 i made a credit report for a mortage loan. In my credit history appear a XXXX verification twice XXXX on XXXX XXXX and the other appear on XXXX 2016. I never make a request for the mentionated company or any service for that company.
This company has been attempting to collect a fraudulent debt for over 5 years. The fake debt was supposedly inccured in XX/XX/XXXX as a paday loan. The company was asked to provide proof of the debt when they first attempted to collect said debt. They refused and ceased to call for over 6 months. They were unable or unwilling to do so, and were informed I would file a complaint with the Texas AG. They stopped all phone calls. Two years ago, this " debt '' appeared as a negative notation on my credit report. I contacted XXXX, they reviewed it, and removed said debt from my report. It has recently shown back up on my credit report, stating the debt started in XX/XX/XXXX This company has been informed this is a junk / fraudulent debt, and upon informing them of this, they proceeded to curse at me. I have again put it to review with XXXX, however, this company will continue to attempt to perpetrate a fraud against myself unless legal action is taken. There are countless negative reviews of this company, countless accounts of them committing scams and fraud. When I last spoke to a representative, she swore at me. Especially when I explained the debt was junk and asked for any proof they would have of the debt in question. She flat out refused and informed me that she was not legally required to do so, though consumer affair law states that she is required to do so.
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.