WillisBack/dataset-financial-user-claim huggingface dataset:
All occurring on XX/XX/18. Experian has made it nearly impossible to access my free credit report, instead it gives me a continual run-around, ultimately requiring me to physically mail documents ( not free ), to receive my report. While XXXX  and XXXX issued my report without complications, Experian gives one disingenuous excuse after another ... first, " my current address isn't an exact match '' which shouldn't be the case if both XXXX and XXXX had no issue with my address. Then, Experian gave me the option of uploading " proof of identity '' documents such as my license and a current bill. I did so, and each time I clicked to upload and submit the documents I was given a new error ( which wasn't even stated an issue in the upload instructions ). The website states that both PDFs and TIFFs are acceptable formats, but, when I attempted to upload a photo of my license which as in color, it was denied because it had to be a gray-scale TIFF, which wasn't stated prior. The second time I uploaded a gray-scale TIFF, the file size was stated to be too large, again, the second file was smaller than the first, yet I was not instructed to submit a smaller image file. Finally, having corrected both of the aforementioned issues, on my third submission attempt I was redirected to a web page that stated I have exceeded my maximum number of attempts to upload the documents and that my free credit report request could only be processed by mail. Experian is truly the lowest common denominator of the credit reporting world, they make requests so complicated and difficult that most people would give up -- not to mention they try to trick you into paying for a report, even though I'm entitled to an annual report. Truly tired of their fabricated complications and diversionary tactics, this isn't the first time I've had issues with Experian specially when accessing my annual report ... meanwhile XXXX  and XXXX always work without issue.
On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled.
I HAVE REPEATEDLY CONTACTED ZALES AND TOLD THEM THIS IS NOT MY ACCOUNT. I HAVE SENT LETTERS AND DISPUTED MANY TIMES.
On Equifax, one account, security credit services XXXX was deleted for cause, now has reappeared again.this has happened before.
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.
I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!
Reporting to my XXXX credit report as XXXX XXXX I called XXXX  the address this was owed for I have never lived there. The balance is XXXX I have disputed this account and it remains unchanged.
Loans cover three schools : XXXX XXXX, XXXX location ( school located XXXX, Missouri XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH ( told all loans where consolidated when attending here ) I want to file a CFPB complaint against Great Lakes for my student loans for abusive practices and non-clear communication to the borrower. They have taken over all my student loans and have never been able to clearly communicate what I owe them for the past 5 years. Every phone call, letter, or text message I receive shows a different amount. I received communications that my student loan is paid off then within 2-3 months I am being told there is another student loan that I owe money on and they are sending me to collections. 
1 ) XX/XX/XXXX I arranged for them to withdrawn an agreed amount on the XX/XX/XXXXof each month. They caused overdrafts to my account by withdrawing the agreed upon amount on various days of the month and not on the agreed upon date.

2 ) In XX/XX/XXXX they chose to stop trying withdrawing the amount and applied and had a court appointed withdraw from paycheck.

3 ) In XX/XX/XXXX while they were taken out court appointed amounts every two weeks, Great Lakes filed a failure to pay for the month of XX/XX/XXXX when they received over {$500.00} that month dropping my credit score over 100 points.

4 ) After they received all their funds requested then sent paperwork stating the loan was paid. Then in XX/XX/XXXX filed another court withdraw for an additional student load that they didnt ask for before.

5 ) After receiving all of the second court appointed funds, they applied to the IRS in XX/XX/XXXXand took all of my XX/XX/XXXX refund for unpaid student loans.

6 ) At the end of XX/XX/XXXX I was sent a letter being told I owed them {$18.00} on my student loan. Then in XX/XX/XXXX that I was turned over to collections for unpaid {$98.00}.

7 ) I am now being texted that if I want to clear my loan for forgiveness to call a number and no  identification who it is contacting me. I dont know if its a scam, if its Great Lakes, if its another agency, if its the collections agency.
A company called XXXX used my prepaid card to charge my account, they where not authorized to use the card. I called American Express Bluebird cards who refused to do anything about it.
I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}.
I have recently been a victim of identity theft ... all documentation has been submitted to all 3 bureaus, Equifax, XXXX, and XXXX. Strangely enough 2 out of 3 of the Credit bureaus have followed the law exactly as stated as it pertains to the consumer, but Equifax seems to follow it's own rules and has been the MOST DIFFICULT to deal with, I have several inquiries that I have stated in my AFFIDAVITS and recent disputes that I DID NOT AUTHORIZE but and EQUIFAX continues to report and they are hurting my SCORE! the 3 inquiries are XXXX XXXX, XXXX  AND XXXX XXXX ... ..I also have an XXXX XXXX showing on my report that I have never done business with but EQUIFAX claimed to have verified but yet the other 2 major credit reporting agencies found them to be FRAUDULENT and removed them!! and they are also reporting my current VEHICLE late with XXXX on 2 consecutive months XXXX and XXXX and this is absolutely NOT FACT!!! the other 2 credit reporting agencies do not report this! EQUIFAX are nothing but CROOKS that kill the average CONSUMER and something has to be done to put this XXXX to a STOP!
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.
I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.
I paid for the first two quarters of real taxes to my town last XX/XX/XXXX. I informed my mortgage lender Santander Bank about it but the Bank went ahead and paid the taxes for the first quarter of this year. I informed my town about this double payment and it returned the amount paid by the Bank on XX/XX/XXXX. i do not have escrow account and asked the bank to refund the money back to me. till today i.e. XX/XX/XXXX, it did not return my money. This is Bank which charges exorbitant fees towards non-payments n late payments if we happen to do it. I want you to hold this bank also responsible asking them when they did get the money bank and the reason for its non-payment with stiff penalty n ask them to return my money with interest. 

Thanking you, XXXX XXXX.
XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.
Cash Central ( XXXX XXXX XXXX ) - a pay day loan company made a fraudualent loan to an online applicant using my stolen identity. They did not do any due diligience when lending the funds - did not call my employer or any of the telephone numbers reported on my credit reports, did not call check the account that they sent the laon funds to were mine. I had fraud alerts filed with two of three agencies and was working on the third due to XXXX breach. After notifing Cash Central that loan was fraudulent they issued a " civil action '' that shows on my credit report. 
Any due diligience on their part during the applicaiton process would easily have identified that I would OBVIOUSLY not apply for a pay day loan with high fees and rates. My credit reports all show larges amounts of available credit with banks and reputable institutions that have reasonable rates. 
I have filed their Complaint paperwork along with ID and the FTC victim of identity theft letter, and they are still arguing that I need to provide additional information. They want a police report and notifized statements, all time consuming and unreasonable when they did nothing to protect a consumers from this type of fraud. They have not provided me with any information I requested, like copies of the loan application and proof that money went into my accounts, " that is confidential information '' is their response. Whose confidenial information is it if not mine when they made this loan in my name?
Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.
Again, someone stoled my identity and opened this account in my name without my permission. State Farm needs to remove and block this account on my XXXX credit report immediately.
I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal
Transaction posted on XX/XX/XXXX with merchant XXXX for {$2000.00} Contacted XXXX Support on XX/XX/XXXX to cancel reservation, support agent stated that XXXX issued credit for the full amount of {$2000.00}. 

Disputed transaction on Bank of America, claim was denied. 

Disputed transaction again, with screenshots of conversation with support staff, claim was denied again.
XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in XXXX XXXX and Experian.
I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Bank of America and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the boa credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards.
I paid off the account on XX/XX/XXXX OnXX/XX/XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment untilXX/XX/XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXX its still reflecting as open and unpaid.
THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.
There has been an ongoing issue with experian reporting false credit inquires on my credit report. I have been contacting them none stop as I find out about them I would like these fraudulent inquiries removes from my credit report at once and would like my credit score raised to where it should be. As this has been an ongoing problem and it's causing tremendous stress on me as I am XXXX and so is my child. Please removed the credit inquires and stop false reporting as I already stated several times I am a victim of identity theft. Inquiries that need to be removed are XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXquired on  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX  account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
I have sent numerous letters to Equifax requesting how they verified a bankruptcy reporting on my report. Each time they have come back and stated that they verified it with XXXX. Each time I provided evidence from the courts as well as XXXX. So how is this possible? XXXX do not match public records data to consumer credit files for Equifax. Equifax performs the matching themselves. According to the FCRA, if requested properly by the consumer the reporting agency must provide documentation that the negative item is mine, according to the FCRA, the item is classified as Unverified, and all unverified accounts must be DELETED!! XXXX deleted the account because it could not be verified, neither can they .... now it must be deleted!!
I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.
They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging me.
American Express cancelled my card with them after being a member since XXXX. The representative I spoke to because of a return payment ( 2 ) times stated I needed a review and had to send documents in to prove my income. I had fraud on my personal checking account and it caused two payments to be returned I was in contact with American Express, but due to the fact that I am a XXXX elderly man, this representative abused his authority and took this review to levels not necessary, he was rude, and had his mind made up about closing the account before I even sent the required information, I feel discriminated against and I lost a very important card valuable to my business operation. Now since canceling the card I receive collection calls a week before the due date everyday automatic call telling me my card is past due, I made a payment today the due date and had to speak to a representative because my payment could not be done automatically because they placed the account in collections even though the due date was XXXX/XXXX/XXXX and not past due. For the past 6 days I have received calls in the early am and late at night outside the collection law boundaries and the account is not late. I feel that American Express has egregiously treated me and discriminated against me because I am a XXXX elderly male.
I sold my XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did a release of liability online on XX/XX/XXXX. The vehicle was in a hit and run accident on XX/XX/XXXX. DMV had not processed the release of liability by the date of the accident so the Police report shows me as still being the registered owner even though I was not. National Service Bureau , Inc. keeps harassing me with letters trying to make me pay this debt. I have given them the information of the new owner of the vehicle. I have contacted DMV and they are way behind, months, in processing paperwork. I can provide the debt collector with a copy of the new pink slip with the new owners information and the transfer date of XX/XX/XXXX but they will not accept this as proof. It is going to cost me money and time to provide release of liability, which I am willing to do but this debt collection agency is going to keep harassing me until I provide them with the information that they want. The agent I am dealing with will not let me get a word in, he talks very loudly over me and will not listen to a thing I have to say.
I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.
I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.
On XX/XX/18 UNION ADJUSTMENT COMPANY fraudulently placed a negative collection account on my private consumer credit profile. This company is trying erroneously claim civil dispute between them and I for an alleged debt that is not owed to them nor the company they represent. The UNION ADJUSTMENT COMPANY did not provide any services nor provide any goods to me and has no rights to any debts owed. The Fair Debt Collection Practices Act clearly states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Being that there is no agreement between the plaintiff and the defendant, that would mean the Plaintiffs collection attempts can not be sustained and are in fact fraudulent. They are also in violation of HIPPA Privacy guidelines and have illegally furnished my information without prior consent. The plaintiff is trying to illegally re-age an account in an attempt to collect a debt not owed to them. They are an unqualified third party and a liability which offers no assistance to this alleged civil dispute. If they are the Fiduciary in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including their fraudulent reporting to various credit reporting agencies. They are attempting to enter into an alleged civil dispute without the contract and/or my permission and are in trespass. ( XXXX XXXX XXXX   v XXXX XXXX XXXX XXXX ( XXXX ) ). They must Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer of the Original Contract, you are a third party. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. The laws in this country do not provide a remedy for a collection company that knowingly and voluntarily takes on a bad debt and then goes after the alleged debtor in an attempt to collect that suppossed debt ; therefore, the Plaintiffs actions fall under the precedence set forth in scienti et volenti non fit injuria. They are ordered to remove the negative and fraudulent reporting of a collection on my consumer credit report and vacate any judgments they have put forth on the public record. They are not allowed to resell this alleged debt to any other company and will report it as a loss in their books. They should be advised that issuing letters of threat and trying to collect on a debt for which no contract exists is a crime of mail fraud and punishable in united states. I am a litigious consumer and I plan on seeking remedy in venue closest to me if they do not perform in the way that I have set forth in this presentment. This is an attempt to peacefully settle this matter. Please be sure that your documents are in order if there is need to pursue litigation.