WillisBack/dataset-financial-user-claim huggingface dataset:
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER   XXXX   BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER  XXXX  IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  .
THE CHAPTER   XXXX   XXXX   NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX - XXXX   XXXX  IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Equifax reported this on my credit report XX/XX/XXXX I never received notice from this company XXXX of rights to dispute which is against the law. This delinquency was first reported on XX/XX/XXXX by law it is supposed to be deleted after the first date of delinquency 7 years later. Instead they newly reported it to my credit report. Since disputing this item the company has reported this item every month in spite. Which is against the law and harrasment.
Original creditor determined this was a fraudulent account and was deleted from my credit report. I have sent numerous letters to the collection agency about this and they have not removed this account from my credit report. If original creditor determined this was a fraudulent account why wo n't the collection agency remove this from my credit report.
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and Transunion has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of {$1.00}, XXXX that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them {$600.00}. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine.
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.
I had a duplicated account created in error by XXXX and this account got forwarded to ERC. I have been disputing this debt for over 2 years and they refuse to remove it from my credit report. I got ahold of XXXX and they self credited the account for {$100.00} and made me aware that they would inform ERC of their mistake. I have spoken to ERC and they only give me the run around stating they have let the credit reporting agencies have the updated information. Yet as of XX/XX/2017 they are still reporting this as a valid collection. I spoke to XXXX and they say that ERC is the one that refuses to send them a release of obligation therefore they can not erase it. Between ERC and XXXX they keep putting the blame on one another. Please investigate.
Tidewater Motor Credit provided different loan pay off amounts on   XXXX   and  X/XX/17   , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than  XXXX  hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.
Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.
XXXX balance of card. 
Have not utilized since. 

Received correspondence months later, of fees on card. 

Impossible for fees to accrue.
XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.
I recently checked my credit and noticed that XXXX is reporting inconsistent information with the 3 credit bureaus. On XXXX   they report that the first missed payment was in XX/XX/2017. On XXXX  they report the first missed payment was in XX/XX/2017. And On XXXX they report it was XX/XX/2017. I do not agree with that information it can not be factually accurate. They also report that i went from 30 days late to 90 days late in just 1 month that is also not possible.
Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.
I have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.
A collections attorney has frozen funds in my CD account at Key Bank.   They obtained a judgment against me without proper service and I am in the process of having that reversed.   The debt came from unpaid bills from my previous employer that went bankrupt. I was not a owner in that company but I signed the checks. The collections company did not have success going after the bankrupt company thus they came after me.   When I received notice that Key bank has been instructed to freeze funds, I called the owner of the food supplier and questioned why he did this since he knew I was not a principle of the company that owes him. I told him that they froze approx. {$30000.00} and I do not have that money in my savings account. He contacted me the next day via text message that I lied and I have {$200000.00} in my account. That  XXXX  is my investment CD not savings yet how does the collection agency and their client know that I have $  XXXX  in my Key Bank CD?   I called  Key  Bank and they would not discuss the situation with me thus I have chose to file a complaint about my bank and how my personal info was given to the collections agency?
I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone
When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.
Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more
I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.
I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.
On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.
I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.
I have a XXXX XXXX credit card which was to inactivated as of XXXX/XXXX/16. On XXXX/XXXX/16 I purchased gas at a XXXX and charged it to my XXXX card ( posted XXXX/XXXX/16 ). I just received a CITI bill with that charge on it. I never authorized the charge on a CITI card. In addition, I never opened the envelope from CITI or activated the card. 
I received correspondence from CITI prior to receiving the card letting me know that I would be issued the card. I immediately called and requested that the card not be issued because I did not want it. I was told that the card would be forthcoming and could not be rescinded. I was advised not to activate it and just not use it and all would be ok. I have tried to call CITI, however lines are always busy.
I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them
I sent a check for {$2900.00} to XXXX on XX/XX/XXXX. I called 2 weeks later to check on bill and receipt for the {$2900.00}. The mortgage co. said they put the money on 3 house payments in the future with {$120.00} left overbalance. I said that was wrong and I filled out bill for a principal payment of {$2000.00} plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until XX/XX/XXXX bill came only one with tax information for income tax which they did not include the {$2000.00}. I called they said they put the {$2000.00} on XX/XX/XXXX. payment which would have be next year taxes. They cashed check in XX/XX/XXXX not XX/XX/XXXX this years taxes this years accounting. We have a FHA loan and we feel that they were not happy with our principal payment and put us thru XXXX on purpose or they were trying to steal our {$2000.00} since no receipt ever came, and gave us faulty tax papers and late. Mortgage papers so messed up you don't know where you stand.
I keep getting a certain debt collector call me from Virginia saying I still owe money but am not longer going to be sewed bt Capital One. Apparently it was an account opened in XX/XX/XXXX and some payment was made in XX/XX/XXXX. I do n't understand.
On XX/XX/XXXX, I issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.
Well I had opted out from receiving any offers yet I still see them there and these credit reporting agencies need to held accountable for breaching our personal information when its due to negligence which is ussaully the case. Giving us credit mornitoring isn't good enough for the damages that they cause us. I am seeing a lot of XXXX in my reports that I have no idea what they are. Experian breached my data and then they wan na charged me {$4.00} a month for credit monitoring, what kind of since does that make. All the credit reporting agencies have a conflict of interest because they all use the consumer credit report to make money and than on top of that their sharing our personal information.
They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.