WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604,  and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing!
My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

Experian continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

Experian has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

Experian is now in violation of the FCRA and continues to be in noncompliance.
I had a collection account on behalf of XXXX XXXX   which was being reported by XXXX and TransUnion. I currently have service with company, so contacted XXXX to question this. They had no past due account with my SSN. My ongoing service account is current. 

I then contacted XXXX. The reporting was corrected within 48 hours. I contacted TU by phone ( the website was down ) to file a dispute. I havent been able to check the status of this dispute because weeks later the website for disputes is still down. The account is now reporting as paid on TU - I know this account cant be verified but I have no way of finding out what has been done by TU.
Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.
Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!
XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately. 

XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.
On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
I participated in the Citibank Account Package promotion with the following terms ( screenshot attached showing web url for promotion : " citi checking offer XXXX '' ) : 1. Open a checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 
2. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account.

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.

4. Get {$400.00} deposited to your account!

I have performed the following activities in accordance to the terms above ( see statements attached ) : 1 ) Opened a checking and savings account in the Citibank Account Package on XX/XX/18. 
2 ) Deposited : - {$50.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX, - {$50.00} New-to-Citibank funds on XX/XX/XXXX to savings account ending in XXXX, - {$14000.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX. 
3 ) Maintained a minimum balance of {$15000.00} in my checking and savings account for 60 days, until well after XX/XX/XXXX. 
4 ) Inquired on the status of the opening bonus. Given the promo reference code as XXXX and told that the bonus will be received up to 90 days after satisfying conditions 1. through 3. This  means the bonus should post by XX/XX/18 at the latest.

5 ) Inquired on the status of the bonus on XX/XX/18. Told that no promotional info was found on my account, which is open and in good standing.
I have all phone numbers to prove what I am saying also up to72 calls per day not happy with this out come also 7 person they contacted ask them to stop and will testify in court
Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!
I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXXfrom my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXXand will continue to make payments until the entire loan has been paid off. Recently TransUnion and XXXX   show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with XXXX they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
XXXX XXXX XXXX reported me as thirty days late for the months of XXXX and XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the XXXX bureaus which reflected it correctly for two days in XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly! Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.
Fidelity Investment Credit card was issued a refund in my name by XXXX in the amount of {$370.00} on XX/XX/2018. The monies were electronically transferred bearing Transaction Reference Number XXXX and Vendor Reference Number XXXX. The card to which this refund was applied was an XXXX card ending in XXXX. This card and account was acquired by Fidelity. 

The dispute case number provided to me XXXX. Please understand XXXX ( the vendor ) has accepted fault and refunded the monies without any issues. Fidelity has not posted the refund to my account. 

This refund should have hit my account without intervention. Unfortunately, the said amount is missing and can not be traced. The reference number that Fidelity issues electronically and vendor reference should be enough data to create a trace and locate credit issued by the vendor. XXXX ( the vendor ) are unable reprocess the refund due to the fact that the electronic refund was successfully acknowledged by Fidelity on XX/XX/18.
I have a XXXX degree and significant student loan debt. I am currently working with XXXX different lenders. I keep records, and I pay on time. While my balances are decreasing with XXXX of the XXXX companies, I am baffled by what I consistently see on my statements and the lack of progress that occurs with my Navient loans. The allocation of principal vs interest to each loan makes no sense. The lack of transparency and progress towards paying down loans with this company makes me fairly certain that fraud is occurring with this company. I have years of records and am happy to provide whatever is necessary to properly investigate this company and situation.
I have been making student loan payments since 1996 when I graduated from school. The principle amount on my loans has decreased very little despite paying both principle and interest each month. If this were a home mortgage, the home would almost be paid in full at this time, but not so with the student loans.
I have been denied twice for the XXXX XXXX XXXX XXXX Program. My servicer, FedLoan Servicing, claims I am not a " Full-Time '' employee of my employer, XXXX XXXX XXXX XXXX XXXX, in spite of the fact that my employer has twice certified I am a Full-Time Employee. Thus far, I have retained an attorney, who sent them a letter over 30 days ago, but they still have not responded.
On XX/XX/XXXX My wife died and she had a capital one card that was in her name alone although I was a authorized user on it, I contacted them to close the account and give them the information that my wife had died, They told me that they would need a copy of her death certificate, I did send them the copy of the death certificate They told me that they would close the account, But to my surprise I received a letter from them saying that I was responsible for the account, I have spoken to them several times as they want me to be responsible for the account now that she is not here to pay for the account I told them no as I was only a authorized user and under federal law I'm not responsible for the account, I have continue to receive letter 's from them for payment of this account, will I came home on XX/XX/XXXX and  found a court order on my door to go to court as they are suing me for this account and they have even but this account on my credit report I would asked that you please help me with this as I have no other idea or place to turn Case # XXXX
I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''
RECEIVABLES PERFORMANCE  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  Negatively reporting to my credit on   XXXX   I request validity of debt including signatures and invoices of debt. I never received any written knowledge of this debt.
I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours.

Sincerely XXXX XXXX
I was charged {$3000.00} fee in 2010 and was told by ACS that there was nothing that I could do about it. I had been out of work off and on for 5 years. In late 2010 I finally found steady employment after moving to North Carolina. Not only did I receive excessive fees, but my interest rate was raised to 5 % from just over 3 %. Now ACS has changed to Conduent and apparently no longer service my loan as I tried to log on to pay my bill. I also just jacked my credit app and who ever they gave my loan to has jacked up my interest rate to 7.75 %. I need help. I would greatly appreciate assistance in dealing with these crooks.
On XXXX XXXX, I sent a payment of {$400.00} through PayPal to my daughter. I, later that same day, sent another {$400.00} in error because I did n't think the first {$400.00} had transpired. 
I cancelled this last {$400.00} and my daughter also refused the payment. Paypal continues to take that {$400.00} out of my checking account regardless of assuring me that the payment was cancelled. They are now also taking an additional {$400.00} out that was never received by my daughter. They tell me because my bank refuses payment they will continue to withdraw the funds even after it was cancelled and refused.
I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;
I received a letter from Wakefield and Associates - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX - claiming that I owed XXXX XXXX {$150.00}. I wrote to them and explained that I had contested this with the doctor, and instead of responding to me, the doctor sent the file to collections. I explained that I had called this doctor for a XXXX consultation, and asked if the practice was a XXXX provider. I was told yes, so we went to the consultation. During the consultation, we were advised that the location that they used to perform XXXX was NOT a XXXX provider, and that our insurance would not cover it. 

Since we made the consultation appointment based on mis-information, I do not feel we owe for the consultation. 

Finally, even though I asked Wakefield and Associates in writing that I did not want them to contact me again, I received another letter from them in the mail today stating that I had asked for additional info. I did not ask for anything - I had only asked them to stop contacting me. They have not honored my request.