WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. 
I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. 
All these items were included which is why I was able to receive their letter! 

I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.
I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is XXXX.
I applied for a loan with American First Finance on XX/XX/2018. They asked for my bank account information, made a small withdrawal to verify my account, and offered me a line of credit. 

They took a {$50.00} payment from me at time of purchase then took auto payments that were posted to my account. When I saw that they took them from an account number that was two digits different than mine, I called them and notified them. They asked me to make a payment with a card, which I did, so that if the payments came back the account wouldn't show as late. 

They began calling me every Friday and Saturday asking for payment. I made three double payments the past three weeks in a row. I was told that the payments came  back from the wrong account but were covered by my card payment. 

My payment is supposed to be XXXX every Saturday ( I was supposed to be on twice a month payments but that never happened ). I get a call every Friday and Saturday and on both days, they take a payment out from my card ending in XXXX. 

The online statement doesn't show the payments I make online, only those auto-debited from my account or on auto pay with my card. 

When asking for a statement of all payments, they said that due a technical issues, they can't show online payments, only draft or card payments. 

Then the supervisor today, XXXX XXXX, on a recorded line, said she apologized and offered to give me a " free '' payment - I refused the payment as I have zero trust of these people and don't want them to put another late payment on my credit report.

They put a late payment on my credit report two weeks ago, despite receiving payment on time, which I've asked to be removed. 

This is the worst finance company I've ever dealt with. 

They have access to three of my debit cards, my bank account, and despite auto pays and payments made online, still charge me for two payments each week and still call me constantly.
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX  >XXXX >XXXX >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX Equifax >XXXX  >XXXX >XXXX >XXXX   >XXXX >XXXX  >XXXX  >XXXX >XXXX >XXXX   >XXXX >XXXX >XXXX  >XXXX >XXXX   >XXXX  >XXXX  >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX  >XXXX
In XXXX 2016, I called Wells Fargo Bank , N.A . to see if my husband and I could get pre-approved for a VA Loan. We were pre-approved and began searching for a home. On XXXX XXXX, 2016 we made an offer that was accepted on a home. We promptly uploaded all the required documentation to Wells Fargo. Then we arranged for the home inspection, pest inspection, the required survey, paid the earnest money, etc. Wells Fargo accepted payment and arranged for the appraisal. Once all inspections, appraisal, and survey as well as everything on our end was completed and we were within a couple weeks of closing, I was notified that Wells Fargo would not honor the pre-approval. I was crushed. Our past 12 months work history was cited as the reasoning. I am told by them that VA has very strict rules about work history. Wells Fargo was absolutely aware of our past work history prior to giving pre-approval. We have near perfect credit, 20+ years work history, and had a VA loan with Wells Fargo a year ago that we never missed a payment on. Because of the actions of Wells Fargo , N.A . we will suffer a loss in the amount of at least {$2500.00} at this point if this loan is not approved. That 's just the monetary loss. Most of the joy of purchasing this new home has been completely quashed by these events. Had we not been pre-approved, we would have waited to start our house search until we were in a position to be pre-approved. We would never just throw over {$2500.00} out the window. I called the VA Loan Production Department this morning and they looked at the activity for my social security number. Although Wells Fargo did pull a copy of my Certificate of Eligibility on XXXX XXXX, they never submitted any application to the VA. I spoke with them about the details of our circumstances. They stated that there are provisions in the VA Lender 's Handbook for approval in this type situation. I sent an email to the originator as well as his supervisor at Wells Fargo citing the chapters and sections of the handbook that the VA suggested they review, also noting that the Lender 's " handbook also says that it does n't deal with every possible circumstance that will arise, therefore, underwriters must apply reasonable judgment and flexibility in administering this important benefit. ''
I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.
I noticed an unusually large number of unauthorized inquiries on my XXXX, XXXX  and TransUnion credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.
I have been getting numerous calls on a daily basis from XXXX XXXX informing the call is an attempt to collect a debt. I do not owe XXXX XXXX any debt.
I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly.
I have told Experian that the XXXX late payment ( XXXX and XXXX ) appearing on my XXXX XXXX account # XXXX were inaccurately reported since it originated from an error from the bank which I have the auto payment on. They failed to properly investigate it and updated this account with the thw XXXX existing payments on my file!!
A month ago, on X/XX/2017, I tried to establish a merchant account with coinbase.com, so I could accept bitcoin payments from my customers. In order to finish the registration, one must undergo an ID verification step ( using a webcam or camera, or phone ). After more than a dozen attempts on different devices ( computers, laptops, phones ), different OS ( XXXX XXXX, XXXX and XXXX ), and different browsers ( XXXX, XXXX ) I am still unable to finish the ID verification process and hence establish my merchant account. The company ( Coinbase ) is not helping at all, I just receive automated responses from XXXX that do not address the issue. Several online forums ( such as XXXX ) are full of complaints about this, and many have reported this issue to you.
My Claim : Credit Card Account that has been settled. 
Previously I opened a Consumer Complaint XXXX disputing XXXX XXXX XXXX Credit Card billing. As it turned out, XXXX stated I agreed to on-line bill statement presentment. I dispute that claim. I did not ask for on-line statement presentment and I did not confirm a change to my account for on-line statements. See this summary below which is posted in Complaint XXXX : The XXXX response of XXXX XXXX, XXXX makes the claim that I enrolled in electronic statements on XXXX XXXX, XXXX and this was why I did not receive any paper statements for the XXXX item, a printer costing {$100.00}, that was purchased on XXXX XXXX, XXXX. Following the purchase in XXXX XXXX, there were 7 months of electronic statements ( XXXX thru XXXX ) in which XXXX charged my account for late payment fees and interest running up the account to a total {$370.00}, roughly {$270.00} of fees and interest. There were no other purchases during this time. This XXXX XXXX account was opened in XXXX and the email address that XXXX references sending electronic statements has not been active. The XXXX information was not up to date because I had no intention of using electronic statements and was never asked to update the information. All of my credit card accounts are set for paper statements. I dispute enrolling in electronic statements for the XXXX XXXX card. Typically if there is a change to an account, there would be a " confirmation '' email saying that there was an account change and asking for my confirmation that I wanted electronic statements. I deny that I received any notice of the change to electronic statements to my account and I deny confirming that I wanted such a change to my account. I am willing to pay for the printer, but I deny the late payment fees and interest charged for 7 months with absolutely no written notification of past due payment. 
On XXXX XXXX, XXXX, I sent the attached letter to XXXX XXXX, XXXX, XXXX XXXX XXXX and D & A Services. I included a check for {$100.00} for the printer in the letter to D & A Services. I have had no response from D & A Services. I am out of town until late XXXX XXXX. 
XXXX Since I have had no response from D & A Services to my letter of XXXX XXXX, XXXX, I believe that they accepted my check for the amount of the printer. They have not returned my check stating otherwise. It has been more than 90 days without a response from D & A Services. 
XXXX Now I have received a letter from XXXX XXXX XXXX claiming that they have bought my account from XXXX XXXX XXXX. However on XXXX XXXX D & A Services sent a letter claiming that they had bought my account from XXXX XXXX XXXX. So XXXX XXXX XXXX has sold my account twice once to D & S Services and once to XXXX XXXX XXXX. I dispute the selling of my account to XXXX different debt collectors. I believe D & A Services has accepted my check for the resolution of the disputed amount because they have not responded within 90 days. I am sending a copy of this complaint to the following entities via certified mail. XXXX XXXX Credit Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , D & A Services and XXXX XXXX XXXX.
I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no. 

This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.
Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.
I have no idea what they debt is and why it appears on my credit report from   XXXX   Reference Number  XXXX  Date Filed  XXXX  Classification Legal Item Type Judgment Responsibility Individual Plaintiff ASSET ACCEPTANCE LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OF  XXXX  COURTHOUSE  XXXX , NY  XXXX  (  XXXX  )  XXXX
When I was younger, Wells Fargo practiced Predatory Lending by giving me an intial home equity line of credit for {$25000.00}. They then increased it to {$45000.00} and then ultimately increased it to {$120000.00}! They knew I was never going to be able to pay it back, and now, 12 years later, my balance is still, {$110000.00}!
SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please help!
Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.
I believe that American express is reporting inaccurate information on my credit report. When I disputed with them directly they never conducted an investigation regarding my dispute.
My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.
Capital one bank lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.
I filled a dispute on XX/XX/2018 for investigation with the credit bureaus to validate a bankruptcy that they are reporting on my reports. The credit bureaus have responded on XX/XX/2018 with no proof and only responded that they have verified with the US Bankruptcy court that they have verified a bankruptcy. They have also said they verified with XXXX XXXX and I have proof that my XXXX XXXX file was suppressed due to identity theft and did not verify anything with them. I have attached proof that my XXXX XXXX file has been suppressed, letter from US Bankruptcy court, & correspondence with credit bureau.
This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the debt.