WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
The daughter ( XXXX ) of my former spouse took out an {$8000.00} student loan and was able to have me listed as a co-signer without my prior approval. Despite filing a report with the XXXX police department and being labeled as identity theft by them, Wells Fargo is refusing to release me as a co-signer on the loan. 
While my former spouse and I lived together while married, I did not grant her daughter the right to use me as a co-signer at any time. The bank has struggled to provide me with relevant information, and refuses to speak with me to understand the facts involved with this situation. I have spoken with Fraud department personnel, Executive team administrative assistants, and local branch employees, many of which agree that the bank should remove me as a co-signer. However, the fraud department contends that because the person initiating the loan did so with the same address as me at the time and that I had asked questions about a loan at one point, they will not remove me. A police detective that I recently spoke with told me that the mere fact that a former spouses daughter lived in my home at some point does not justify them from using my identity illegally. I would appreciate any and all help that your office can provide me in remedying this situation.
I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Transunion has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Transunion to scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.
These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX XXXX Court-XXXX Circuit Court XXXX SD 2. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX Court-XXXX County Court ( RD ) XXXX  CA Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX-DISC Case # XXXX Filed-XX/XX/XXXX Lact-XX/XX/XXXX Atny-XXXX XXXX XXXX Directory- ( XXXX ) XXXX Court-Federal District Court Cases one and two shown above are still on my credit report ; I need them removed so I may purchase housing.
I signed up for a southwest rapid rewards credit card through Chase. They were running a promotional offer, an offer they are still promoting today, of which if you spend {$1000.00} within the first three months of opening your account, they will add 40K bonus points to your card. After opening my card, I spent the next few months spending the required amount. On their site it states that it may take up to 8 weeks for the points to be added to your card. After the eight weeks had passed, I still had n't received my bonus points. I reached out to them to ask why my points had n't been added to my account. As it turns out, to get the bonus points, I had to spend {$2000.00} within the first three months to receive 50K bonus points. This was not the offer I was believed to have signed up for. They clearly are running a bait and switch promotional offer to get customers to sign up. Customers believe they only need to spend {$1000.00} to get the points, when in reality they need to spend {$2000.00}. It is false advertising and misleading.
I have an installment loan with Avant Credit. I have been unable to make my loan payments which are schedule to be automatically withdrawn from my account during the first week of the month. My problem is that Avant has made multiple attempts each month to withdrawl the loan payment which causes a Non sufficient funds funds fee with every attempt. The frequency of their attempts is increasing. This is turning a bad situation into a crippling event with each CHARGE from the withdrawal attempt. I did authorize Avant to withdrawal my loan payment once a month. However, I am unable to make the payment. Does this give them the right to make a withdrawal from my account anytime they feel like it. Can you please help me?
Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.
I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. 

I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. 

I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.
ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
I have a fraudulent account listed on my credit file that needs to be block or removed based on the FCRA Acc # XXXX Opened XX/XX/2017
On  XXXX / XXXX /2017 I was shopping for a Surface Pro 4 on Amazon.com. I saw a link offering 0 % financing for 12 months on this item I wanted to purchase. I followed the link which led to a Amazon Signature Visa issued by Chase bank. On  XXXX / XXXX /2017 I reviewed my statement from Chase and saw an interest charge. When I called Chase they claimed that I had applied for the wrong card and that the 0 % interest deal was offered by a different bank. I 'm not sure who is more at fault Amazon or Chase, but this was classic bait & switch. I paid the card off in full to prevent further interest charges.
I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.
I got scammed by a 3rd party company who convinced me to do a student loan debt consolidation. They screwed me up so badly ... and I was working with the FTC to start a " lawsuit '' but I was getting threats and what not so I got scared and stopped. Then FedLoan servicing convinced me to put a pin on my account to protect it from the 3rd party company. I unfortunately fell on hard financial times .and also forgot the pin to my account. FedLoan servicing has instructed me to send a request in writing to remove the pin so we can discuss repayment options over the past 6 months I've mailed 2 letters, faxed 3 and made numerous phone calls only to hear " we are so sorry we don't see your request please resend. " I CANT EVEN DISCUSS REPAYMENT!!! HELP!
Jefferson Capital Systems, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.
DITECH ATTEMPTED TO ESCROW MY MORTGAGE..I PAID MY FIRST HALF TAXES..THEY ALSO SENT MONEY IN..MY TOWN SENT THE MONEY BACK TO THEM..THEY RAISED MY MONTHLY MORTGAGE FROM {$490.00} TO {$1400.00} A MONTH..I SENT IN LUMP SUMS TO COVER MY SECOND HALF TAXES AND MY HOMEOWNERS INSURANCE ..BECAUSE I ONLY SENT {$490.00} /MONTH THEY SAY I HAVEN'T MADE A MORTGAGE PAYMENT IN 233 DAYS..SO I'M GOING INTO FORECLOSURE ... I JUST SENT ALL THE COPIES OF CHECKS THAT THEY CASHED ASKING WHERE IS MY MONEY..I CAN NEVER TALK TO THE SAME PERSON AGAIN AND EVERY PERSON I TALK TO HAS A DIFFERENT STORY..WHERE IS MY MONEY..TODAY IN THE MAIL I RECEIVED A NOTICE THAT THEY ARE LOOKING INTO THE PROBLEM ... BUT THAT'S THE SAME LETTERS I GOT LAST MONTH,,,,, PLUS,,, IN MY ENVELOPE WAS THREE OTHER PEOPLES MAIL,,, WITH THEIR ACCOUNT NUMBERS,,, THIS IS ONE SHADY COMPANY..IS THIS HOW THEY TAKE PEOPLES HOMES??
Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.
On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it
I called XXXX today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.
I originally had filed a complaint with CFPB against a debt collection agency XXXX XXXX XXXX XXXX XXXX that had reported a debt collection inquiry with all three credit bureaus ( Equifax, XXXX and XXXX ), which in turn lowered my credit score. That inquiry was not valid, and as such, I fought XXXX XXXX XXXX ( XXXX ) for them to remove me from their systems and remove the debt colleciton inquiry against all XXXX credit bureaus mentioned above. XXXX responded that they would in fact remove me from their systems as well as remove all debt collection inquiries made to the credit bureaus mentioned above ( Complaint # XXXX ). 
Equifax, unlike the other credit bureaus, have not removed the debt collection inquiry on my credit report as of XX/XX/XXXX. I am attaching the XXXX correspondence made through CFPB for CFPB to forward to Equifax as proof that the debt collection inquiry they have listed in my credit report should in fact have been removed since XX/XX/XXXX
I have an account in Regions bank. I lost my card and come to find out I had  XXXX  stolen from the atm using my pin and I do not know how it happened. I am suppose to be protected. They declined my claim a few times and now trying to contact corporate. I just want my money back.
Business account with Sun trust linked to credit card was placed in overdraft status due to problem with credit card syst em Being offline. 

As a result My account was charged over {$700.00} in overdraft fees.
I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,
Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.
We have tried to work with Coast Professional , Inc. since we received the first notification from them on XX/XX/XXXX. I contacted Coast Professional , Inc. because I had divorced and moved frequently and was trying to locate the information to repay this student loan. Because the amount they wanted me to pay monthly was unrealistic I submitted the Financial Disclosure For Reasonable and Affordable Rehabilitation Payments. Since that time I have spoken to several employees who tell me if I will send this information my payment will be $ XXXXmonth to if I send this information my payment will be XXXX XXXX/month. In XXXX I had XXXX tell me to file paperwork with the US Department of Education and wait to see that they would decide which I did XX/XX/XXXX. I received a letter from the Department of Education giving me a reasonable payment of {$190.00} with garnishment which I would prefer to pay this debt directly, but I can not get Coast Professional , Inc. to agree with this letter even after I resent them the letter and information again. I spoke to XXXX who ask for even more information and then XXXX on XX/XX/XXXX at which time he said the payment would be XXXX XXXX/month which I could afford, but then I received a letter from Coast Professional , Inc. stating I would need to pay {$290.00} for notify them of my objection which I have done. I need for someone to review my account and assist me in coming up with a payment of which I can pay. I am asking for you to investigate Coast Professional , Inc. and how they mishandle their customers and do not try to assist them. They give out fraudulent information even after you comply with everything asked of you. 
We have all of the documents to support this complaint, but they have confidential information on them. We can provide if requested.
this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also some inquiries on there that I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you.
Experian, XXXX, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX # XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX  XXXX # XXXX
I am writing of complaint about Experian Credit Unions failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Experian has also failed to substantiate that the account is mine. Experian is 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. Experian also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. I am requesting that Experian delete this unverifiable account immediately from my credit report.
Greetings, To whom it may concern.

I have been a victim of the Transunion inquiry issue. I contacted Transunion customer service department, spoke to a representative and explained what happened. Unfortunately, the representative did not agree to remove those inquiries from my credit report.

Please find below the inquiries I requested to be removed.

1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SD XXXX  ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX   ) XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX Please proceed with this request and update my credit report accordingly.

Thank you in advance.

XXXX XXXX XXXX XXXX