WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion has placed a fraud alert on my credit report. I contacted them, requesting removal because I am getting denied credit. They have not removed it. 
In addition, Transunion continues to add names and phones numbers which does not belong to me after I provided documentation to verify my identity, employment, and contact information. 

The XXXX XXXX XXXX has requested all loans on my credit that were with the XXXX XXXX XXXX XXXX be deleted from my credit, as my loans were all rehabilitated. Transunion has refused to remove one account claiming the XXXX XXXX XXXX XXXX did not request removal for that one account.
Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.
The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did!
AT SOME POINT IN TIME JP MORGAN CHASE BANK BECAME SUCCESSOR TO INTEREST ON MY MORTGAGE AND I DEMAND ANSWERS AS TO WHAT SPECIFIC DATE THIS TRANSPIRED AND FROM WHOM. I ALSO WANT TO KNOW WHAT LOAN NUMBER THEY HAD FOR ME. I DEMAND THESE ANSWERS FROM THEIR LEGAL DOCUMENTATION IN WRITING.
I never got a mortgage with XXXX XXXX XXXX Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
I have a Hard report from Florida about airlines and i have never used that service nor have i been in florida, and i didnt search or put any of my information on any on-line or calling about Airlines. And also one for a walmart hard report. all done in XX/XX/2018
Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.
XXXX XXXX, XXXX To whom it may concern, My name XXXX XXXX, I bought a cognac collection bottle from XXXX XXXX. After I received pictures from her I agreed to purchase it in what I was led to believe was in good conditions. I sent payment on XXXX XXXX, XXXX ( I am dispute in these amount {$340.00}, {$620.00} & {$1600.00} payment to XXXX ). The first shipping bottles was sent on XXXX XXXX, XXXX and I received the XXXX package after 3 long weeks of waiting which I finally received by mail service on XXXX XXXX, XXXX ( if she was sent by XXXX or XXXX I can received package early and less damage because package was lay around and less handle careful .... ), after I opened the package I smelled a scent of liquor which turns out was leaking from the bottle along with a label was stain with damage. At which point I decided to take pictures of it, I sent a notice to her and told her I would like to return it. It is apparent and obvious that the bottle was leaking prior her selling it to me. I tried to communicate with her to return it or credit me for damaged bottle. But she stated and told me old stuff may leak or stain ... that is normal for old stuff ... but I told her ... not for me and I do not buy damage goods. I just want return it! I have done some research to try and return it by XXXX or XXXX to send back to her. But liquid goods that leak are not permitted to send back, if the carrier smell or see something leaking they will destroy on site. It is a waste of my time and money, I received another package on XXXX XXXX, XXXX after 6 weeks and I did not open up because I knew should it be damaged due to the postal service, I would be stuck with yet another leaky bottle ( cheap shipping package lay around so long and not handling careful ... return with receipt from XXXX XXXX XXXX ). 
I was advice from my credit card ( Capital One Master Card ) return Items to the seller ( and I had receipt I was sent back ) I did not get credit back to my credit and I also sent all back up pictures and dowload the document to credit card link on XXXX XXXX, XXXX and fax on XXXX XXXX, XXXX and now my credit charge back to my credit card ... even I was return stuff back to seller & credit card I had insurance to protection to buy I tried to get second pinion/ appraisal for the bottle that was damage but I can not find any companies around in XXXX County , Virginia to do so. I even went as far as to going to pawn shop to ask for a second opinion. Which I had no success for various reasons and them thinking it was some kind of law enforcement operation or sting ( in Virginia only XXXX stores are allowed to sell hard liquor ). I will also be discussing with my credit card company. I can bring the goods to your office to see. ( Capital One headquarters is in XXXX XXXX not too far from my house ). Please let me know of any ideas I can use to pursue to this dispute. 
Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
GM FINANCIAL MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
THIRD NOTICE OF DISPUTE OF FRAUDULENT CREDIT REPORTING, FRAUDULENT INQUIRIES, THIRD NOTICE OF ERRANT EXPERIAN CREDIT REPORTING, EXPERIAN FRAUD ENABLEMENT CREDIT REPORTING, AND NOTICE OF INTENT TO SUE https : XXXXXXXX XXXX
This debt was paid in full on  XXXX / XXXX /   17  and is still showing on all  XXXX  major credit companies.
Another woman with the same name XXXX XXXX lives in XXXX and has either used my social security number or the Original Creditors have added her information to my Credit accounts along with bills from local hospital. Experian has been notified today. 
Also a business was listed as well on my home address that has never been established at this residence. I have rented for the last 13 years and that is also inaccurate information that needs to be removed. 
Some addresses are also being removed that I have never lived.
I recently reviewed my XXXX  profile and found a hard inquiry from a "non-account" holding creditor named XXXX  XXXX  and XXXX XXXX XXXX on XX/XX/2018.
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.
I wrote a letter to dispute the inquiry and requested proof from XXXX  & XXXX XXXX  of authorization by me or delete from my XXXX  credit profile immediately! This hard inquiry is suppressing my credit score.
I have attached images of the letter I sent XX/XX/2018
On XX/XX/18 I paid the debt of {$87.00}, although I have no written request to pay the debt from the collection company or original collector. My only knowledge of this debt is because of the derogatory mark it has left on my credit report. I called the collection company both before paying the debt and afterwards requesting that they delete the account from the credit report and rudely and relatively I was told that no such arrangement was available. This is an aggressive company in their policy that they will not delete the account completely after my request to see a written document expressing the debt as mine, and furthermore would not agree to delete the account from my credit report after I paid the debt to simply get it off of my records.
Onemain financial charged my account on at a different time in  XXXX  around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of   XXXX  . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.
In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. 
XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
I have been paying Experian monthly for regular access to my credit report and score only to find out that my score which they show me when I log on is significantly lower by almost 100 points based on the mortgage lender who just pulled my score. When I called Experian to inform them that this difference has cause me great harm, they basically gave me the run a round and refused to fully refund my monthly payments. I also explained to them that I was aware of the XXXX XXXX dollar fine which they had to pay based on the fact that disclosures were not prominent enough on their website based on a report by the CFPB.
XXXX XXXX and XXXX  XXXX XXXX  are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX. 

I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence. 

The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft. 

I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
I contacted Navient many times to find a solution to my extremely high student loan payment. After having a baby they allowed me to put off paying for a short time but then determined that I should be able to pay the $ XXXX/month. My daughter is almost XXXX and I have been paying on my loans for a few months. It is very hard for me as a new college graduate to afford an apartment, car and provide for my new family. Navient will not work with me to lower my payments and it is extremely difficult and frustrating. 
I have big dreams for my family such as owning a home some day and staying as debt free as possible. Navient is a bully when it comes to the student loan crisis. I have {$65000.00} in private loans through Navient.
I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.
I have tried several times with no help from Equifax to get proper access to my report. I was told that i have Alerts on my report so i sent In necessary docs to have any and all alerts removed. However, my Equifax continues to mis report information on my file. The bank says that my Equifax file is too large and it has to be compressed because its so large. 

Equifax is obligated by law to make my report accessible and should therefore delete all soft inquiries and anything else that causes my files to be so large that the report is no accessible. 

Furthermore, I am yet disputing this two inquiries that are on my credit file : XXXX XXXX XXXX, XXXX XXXX and these are not authorized by me.
I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation.     Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due.     I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past.   There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted.     Now, my student loans are being reported as  XXXX  derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in  XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in  XXXX  and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past?
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
I recently complained  to Consumer protection Bureau about Unauthorized access by Navient group of companies. Today when I checked my ac count, they have cancelled auto pay and I am unable to add any of my bank accounts and my loan account shows over due payment by 2 days. I tried to add a different account and I am unable to do it either.   XXXX  Navient seems to have serious problem with their automated transactions. I need help and I need to keep my loan payment current. I have never been delinquent and have completed  XXXX  loans well in advance.   XXXX  Please assist.   XXXX  Thank you  XXXX   XXXX
I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled.
I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.
My complaint doesn't fit the predefined categories. I have medical debt that I owe and there was a judgement sent out they garnished my wages. An amount I couldn't afford. An attorney stated I can go bankrupt or offer a wage assignment. I opted for the wage assignment, {$150.00} out of every check. Last year I paid over {$3300.00} and this year {$750.00}. The debt started at {$6000.00} and they still say I owe {$6000.00}. I asked them to send and itemization of everything they have taken and what they applied it to. The rep said they do not have to and will not do that. I asked for the supervisor and received the same response and that more debts have come in. I said that's fine if you can justify it but I still want copies and they refused to send me anything.