WillisBack/dataset-financial-user-claim huggingface dataset:
First of all, this has been an ongoing struggle to get the credit reporting agencies to correctly report my credit information correctly. Apparently, there is another person by the same or very similar name and very similar social security number as mine. Over the past 9 or 10 years, I have sent numerous requests to the credit reporting bureaus to get my information accurately reported ; however, every time I check my credit report ( s ), I am given inaccurate information. I finally quit checking for the benefit of my mental health, since it was causing me much stress and XXXX. About a month ago, I checked into my report and once again, the negligence and incompetence of our credit reporting agencies was evident. This time it was after a dispute with XXXX. Upon the return of my investigation, I discovered the following inaccuracies : 1 ) I had 2 incorrect previous addresses reported ( both of which have been disputed in the past 10 years ). 2 ) My correct social security was listed at the top of my report ; but for some ignorant reason, they listed another INCORRECT LAST 4 DIGITS OF SOMEONE ELSES SOCIAL SECURITY NUMBER UNDER " OTHER ID ''. ( I have disputed the use of a similar social security number in connection with my report in the past 10 years with all 3 credit reporting agencies ... even warning them in the notes about NOT reporting or confusing me with another individual with a similar social security number. I AM A BORN CITIZEN OF THE USA AND I HAVE ONLY BEEN ISSUED ONE SOCIAL SECURITY NUMBER IN MY LIFETIME!!! WHY CA N'T THE CREDIT REPORTING AGENCIES ACCURATELY MATCH EVERY NUMBER TO THE CORRECT FILE!!! 3 ) I=2 entries of inaccurate employment reported. Both current and previous employment are inaccurate. I have disputed this in the past as well, and finally, XXXX and Experian have entered the information for my employment accurately. Question ... why do n't they consult with each other or at least with previous corrections! 4 ) Innacurate credit account information. I disputed this account but likely it was linked back to my account back to the second social security number that was added to my file under " Other ID ''. XXXX and the other credit bureaus can not continue to put amother person 's credit files and information on my record just because they are looking for a scapegoat to pay for that other person 's bad debts. I have NOT moved in the past 26 years. It should n't be that difficult to report accurate information. I am a very humdrum citizen. I do not have any delinquent accounts and never have ... until they started mixing up my credit files with another person. If I had the money to spare, and I were n't an average minority, I would seek legal council to sue for compensation. I have spent far too many man hours and extinguished way too much undue stress to correct this issue of incompetence. As I said, this has been going on for the past almost 10 years. I have called and written letters to correct the inaccuracies ... but to no avail for it appeared again.
i have sent numerous letters to Equifax concerning inaccurate information pertaining to inquiries. there are 13 inquiries on my report that i have disputed as inaccurate and identity theft. i have sent numerous dispute for them to send me any and all documentation that has my signature and authorizing them to have these inquiries on my credit report but yet after many months i have yet to get any information from them as they are in violation of the fair credit reporting act and i would like them to pay for the damage that those negative inquiries has cost me and well as punitive damages per the fair credit reporting act. I also has requested the same information pertaining to a inaccurate bankruptcy that is on my credit report. i have sent many dispute on this matter and they still haven't sent me the information i requested. like all documents with my signature and all information about the dates and time of filings as well as the address. I ask that you compel them to do so since the fair credit reporting act states that i can request that information.
I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.
According to the date stamp on photos, as well as data on documents sent to me, which were received by me on XXXX XXXX, 2015, on XXXX XXXX, 2015, XXXX XXXX, a home valuation service, working on behalf of Chase, submitted to Chase falsified documents, stating that my home is vacant. It is my belief that Chase intends to use these documents to speed up the process leading to foreclosure. My home is certainly not vacant, and any XXXX of my neighbors, friends, and relatives are willing to testify to that fact. I respectfully request an independent investigation into Chase and their activities in this regard.
Nationstar Mortgage became the new servicer for my mortgage on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they sent a statement of account indicating I had 30 days in which to dispute the debt. I did mail a dispute certified mail on XXXX XXXX, XXXX well within the 30 day time period. However, they have my home scheduled for sale on XXXX XXXX, XXXX without any notification to me.
I have contacted Equifax on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Equifax is complicit in allowing this. Each time I ask Equifax to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX XXXX There is a fourth company that admitted that they are incorrect in listing an item and in XX/XX/XXXX requested that the credit bureaus remove this entry. However Equifax is still listing it. That company is XXXX XXXX. I was contacted by XXXX XXXX of XXXX in XX/XX/XXXX. She provided me with the AUD control number for deletion ( XXXX ). Both XXXX and XXXX deleted this entry within days. Yet Equifax continues to report this inaccurate information. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Paypal has robbed me of all of my funds from my XXXX Checking account on XX/XX/19. I never approved of the unauthorized 36 charges from someone named, XXXX XXXX of CA. I contacted XXXX XXXX   Representatives and they looked into the unauthorized charges in my XXXX checking account. I explained to the XXXX XXXX  Representatives that I never made purchase with PayPal nor used my charge card. However, I checked my PayPal account on XX/XX/2019 and did not see these unusual charges on my Paypal account. XXXX XXXX  gave Paypal Company the permission to gain access to my all of my funds in my chase checking account which is in the negative status.
I have to a non-traditional credit lender which partners with CodeUp, a coding bootcamp provider here in XXXX XXXX. I filled the application for the first time on XXXX XXXX and received an answer on XXXX XXXX that I did not qualify. They encouraged me to use a co-applicant to increase my chances, which I did by reapplying with my wife. And it did not even take 24 hours and I receive the same standard message of rejection on XXXX XXXX. 
Their website clearly specifies that they do not do hard hits on credit reports so we should not see any loss of points or negative consequences on our credit score. 
However, since the last application, they keep running our credit reports. The last XXXX was this XXXX XXXX, the XXXX time. I have not applied for credit since that second application, yet my credit report is pulled again and again. The same for my wife. 
I attempted to contact them to discuss this matter through the number provided on their website, but it keeps sending me to an automated message telling me the hours of operation and to call back. I have not heard from them despite my many attempts.
Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Dear Equifax XXXX XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
I have asked Experian to delete negative information on my report and they have fail to provide me proof of collection accounts.
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.
Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.
Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.
I have received 7 calls in the last month from different numbers that belong to Midland credit. I have never been in debt. There is no reason for them to have my information or for them to call me. Every time I block their number they call from a different one.
Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.
I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.
Early in XX/XX/2018 I requested my annual free credit report from Experian, XXXX and XXXX. I initially received acknowledgements from XXXX and XXXX but Experian has not provided any type of acknowledgement or my report within a reasonable time. These tactics used by the credit bureaus is simply an unacceptable tactic by these agencies to deny individuals access to there reports and / or to collect unnecessary data in there quest to data mine. As you can see from the form my data is clearly visible for the processing of my request. If XXXX and XXXX processed the request obviously that reaffirms that the request was received.
To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca. 
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me. 
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network. 
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where. 

This is a blatant and absolutely unfair, and bad business to do things in this manner. 

Thank you in advance for your consideration. 


Sincerely, XXXX XXXX XXXX
I had Citimortgage purchase my mortgage from my original mortgage company in XX/XX/XXXX I started paying and everything was going good in XX/XX/XXXX I lost my job do to my XXXX I still managed to make my payments even after they refused to help me, in XX/XX/XXXX my mother had XXXX by XX/XX/XXXX I tried to again get them to help and they again refused, in XX/XX/XXXX my mother who XXXX was diagnosed with XXXX and I was trying to cope and take XXXX again Citimortgage refused to help at one point in XX/XX/XXXX my grandpa died and they not only refused to help me all those times they harassed my tenants to the point on several occasions the payment was a day late or not even by the XX/XX/XXXX of the month and they had representatives at the door of the house at XXXX telling the tenant that I was not paying my mortgage and they would be evicted I lost good tenants because of Citimortgage I have been done so wrong by the company they have violated me so much and I am still blessed to have kept up with my payments There has been times I pay on time by the XX/XX/XXXX but their system reports it not paid I noticed a strong pattern of always posting a late payment here and there to keep me posted and deliberately hurt my credit so I wo n't be able to refinance since I owe XXXX and the house is worth over XXXX they want me to loose so they can cash in Please help I have requested all the errors to be fixed but they refuse I have a record of every payment and even if they are dead wrong they do n't fix the issue Please forward my complaint to any and all other governing agencies that can help Again because of XXXX it takes me a very long time to find help
I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.