WillisBack/dataset-financial-user-claim huggingface dataset:
Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI XXXX
I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XXXX 2 XXXX XXXX XXXX 3.XXXX XXXX XXXX   XXXX XXXX 4.Syncb/Walmart XXXX XXXX 1.XXXX XXXX, XXXX and XXXX
I am a XXXX and I was exhausted one day after working a 14 hours shift and received a call from a rep from EOS. I was told I owed for a medical account that I knew nothing about. I advised the rep that it had to be a mistake because I have insurance and advised her that I was a nurse. She said according to her records it was my debt and I needed to pay this account and asked how would I like to pay today? 

I asked if I could get her information and call back? She asked why could I take care of the account today and or why did I need to call them back? I ended the call ... .. I felt very uncomfortable with the conversation and I was not going to be pressured into paying for something I did n't owe. 

I looked at my credit the following day after I got some rest and notice the account had already been placed on my credit!!! I do n't owe the debt and it was not properly validated. I never received a notice in the mail only a phone call and at that point the unknown account was already placed on my credit EOS CCA Account number XXXX
The problem began with the refinance. The loan officer was extremely disorganized and the application was incorrect. The loan was to be in my name only but the financials included all of my husband 's information. It also included all of our old financial data and none of the new information provided. When I brought this to her attention, I was advised not to pay any attention to this it was a clerical error and not a problem. This was the information that was going to be used for the HELOC we were applying for and to sign the documents. 

I had to manually mark through information and initial to feel better about the legality of the application. When we finished, I inquired about this account showing on the website with my husband 's information since that is how I do all of the banking. I was assured and reassured there would be no problem. I am employed in the industry. I work for a mortgage company in customer service and had serious doubts but decided to trust her. It did n't work. 

Now we will fast forward. I was in a car accident on XXXX XXXX, 2015. My Fiat is hit by a tractor trailer and totaled. My insurance company was ready to settle on XXXX XXXX, 2015 - or thereabouts. BBT never perfected the title to list themselves as the lien holder. They argued back and forth with insurance company, putting me in the middle, about whether or not it was needed. 

Finally, I put my foot down and stated it did not matter, the fact remained BBT did not do what was required of them when they took the loan on. It needed to be done and now. XXXX with BBT is now having the title perfected and offered to effective date the payoff to XXXX XXXX, 2015 when he first started this process. XXXX XXXX should be recognized for his superior management of this case and his excellent customer service. 

One month later and my loan is not paid off and I am making payments on XXXX car loans. To say I am furious is a mild understatement. To have to go through the stress of the XXXX accident I have experienced in XXXX years of driving and then go through the stress of this is too much. 

Today I received from BBT a letter advising me that my insurance coverage on my Fiat - that was totaled and should have been paid off in XXXX - was cancelled. Unless I provide proof of coverage, they will purchase coverage for me. Insult to injury. I have asked assistance from XXXX XXXX. 

Now I can go onto the HELOC we did not follow through on because on the HUD. I had advised the loan office that the HUD needed to be correct and requested that she review this prior to us coming in for the signing. Our income was double to over {$200000.00} and our debt was doubled as well, along with incorrect information in other areas. Obviously she did not do her job and I left. This is extremely poor customer service and a lack of professionalism. 

I have shared my horrible experience with all of my friends and they are equally shocked at BBT 's lack of professionalism and follow through. I do not wish to drag this impossible situation out any further.
An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates.
This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.
I received a written response from Wells Fargo, which basically said they did nothing wrong and that in fact I never had a locked in rate. That was not true and again I was never told at anytime during the course of the application that my rate was contingent on my home appraising at {$500000.00}. I got my own appraiser, e said the appraiser that Wells Fargo used left anywhere from {$75000.00} to {$100000.00} off the value of my home. The appraiser I got also said the XXXX XXXX XXXX XXXX comparable was listed at {$690000.00} and sold for cash for {$550000.00}. That property was sold for redevelopment not to live in and was listed as a non-usable property on that tax board website, the appraiser I hired said Wells Fargo 's appraiser never checked the sale of the property, the XXXX XXXX   XXXX XXXX was a transfer of title to a business, yet Wells Fargo had that as a sale {$380000.00} when in fact the property was never sold, the Wells Fargo Appraiser never checked that either. The XXXX XXXX XXXX XXXX property other than being on a busy road isn't close to be comparable.The were numerous factual mistakes about my home as well, with regard to upgrades, efficient heating and cooling system, and size of my property, yet somehow Wells Fargo insists they did nothing wrong. How can you make a determination of value when you are not comparing to properties that are usable properties. I file a complaint with the NJ State Attorney General against the appraiser that Wells Fargo used. I want something done.
I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.
Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX County Support Payment, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at Experian as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX   telephone the originator of the complaint immediately.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX, XXXX Unverified Late Payment * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.
On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. 
No other information. I looked number up and says is a debt collector
My account has been permanently limited ( unable to do anything on it ) without a reason given. I have fully verified my identity by uploading a picture of my SSN and Drivers License. I have uploaded an invoice for the items I sold on XXXX which were requested. Even after providing all of this information, they have still decided to permanently limit my account with almost {$3000.00} sitting in it unable to withdraw it. My email is XXXX XXXX
I am receiving phone calls from Midland Credit Management. Several within just hours. They were trying to verify personal information, which I will not give them. I have perfect credit, which is monitored for credit changes and fraud. Therefore I am certain they are attempting to collect on a debt that is not mine or a very old past the statute of limitations debt. I do not trust collection agencies therefore I want this complaint on file in the event I have to sue this agency for whatever reason. I do not have outstanding debts and this agency is not going to be paid for debts that are not mine or old. They were told to cease communication by phone and mail. Letter was faxed and mailed to them.
XXXX accounts I found on my credit report. I have sent numerous letters since XXXX. XXXX out of XXXX accounts were removed. The other XXXX I have asked for hard proof of my signature to those accounts, or any validation in paper these accounts belong to me. And they can not come up with nothing.
My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!
On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.
So I been trying to find an apartment out here in XXXX  and tried to apply for one on the XX/XX/XXXX and was told I owed a property which I dont understand why I owe the property any money I didnt break my lease or anything and on top of that they took my deposit find out they put that I owe XXXX from a property called XXXX XXXX and they reported on my credit Im currently homeless living from place to place because no one will rent to me because of it I called the property almost everyday and no one answers the phone I even called the collections department they went through Blakey-Witt & assoc. its a stressful situation Im not in XXXX   anymore to go up there and talk
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/2018.
I have on more than two occasions requested that XXXX and TransUnion remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. XXXX ( Report # XXXX, dated XXXX XXXX, XXXX ) and TransUnion ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) to  further solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and this information was also sent to the two credit bureaus as well.
Experian in their dispute process, is by all accounts lying about verification processes in order to continue reporting for profit. Their refusal to investigate because they had already investigated an items, isn't with merit, when creditable evidence exist that the reporting is wrong, I furnished that creditable evidence and they still ignored its. 

Recently it was found that some person or entity was using an old address of the consumer, and applying for a credit card from XXXX XXXX, and XXXX XXXX, which utilized a Experian report, and ultimately Experian reported the item to my credit, which is subjected to an investigation, upon which it was noted that the social security number of XXXX wasn't this consumers social security number. 

Now in reference to the reported Bankruptcy reported on this consumers credit report, from XX/XX/2014, the credit reporting agency stated that it was verified as belonging to this consumer, while XXXX stated it wasn't and in addition to this additional information, their isn't any manner of verification that they can stand on that it doesn't belong to XXXX, other than this consumer, because all they have is the last four in their reporting.