WillisBack/dataset-financial-user-claim huggingface dataset:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
For over a year I have been paying kinum {$130.00} every month for medical expenses. They automatically draft a check each month that comes out of my checking account. I have a new job and did not have funds available this month. It was an oversight on my part. However, they called today and explained that if I did not pay immediately they would have me arrested for writing a bad check, and would also make the balance due in full. I have been paying faithfully for over a year. One mistake should not cause such an uproar. XXXX was very rude, and would not let me speak. Threatening me with jail time was the last straw.
This company refuses to provide me verification and validation of debt. I am disputing this debt because i do not owe it. I have never been to this facility.
I used to use XXXX XXXX XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX  balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX XXXX XXXX  store in XXXX Alaska closed their store and then I started getting letter from mcmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA-XXXX, phoneXXXX XXXX XXXX.

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying.
A collection that does not belong to me appeared on my equifax report. This has happened in the past and I would submit a dispute, Problem would be solved. 
However this time, I attempt to submit a dispute and I continue to receive a message stating my information does not match and they are unable to process my request and to try again later. 
I have never had an issue before submitting a dispute and none of my identity verification information has changed.
I have applied for a HARP refinance of my condo with my current lender. Although I am HARP eligible, but they are indicating that my flood insurance policy is not sufficient despite it being in excess of XXXX. They are further indicating that my only option is to get increased coverage up to {>= $1,000,000}, which is not only implausible, but absurd. This also does not make logical sense to me as Wells Fargo currently owns my loan and my flood insurance is sufficient for that loan.
On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.
My federal student loans were transferred to FedLoan Servicing  XXXX / XXXX / 17 .  AES i s continuing to bill me for federal loans that they no longer service. Additionally, they are billing me for an amou nt three times  greater than m y IBR payment amount even though I submitted documentation to them twice proving my income. They continually say they did not receive my proof of income. I 've sent it twice and asked for confirmation both times but did not receive confirmation. They did not send me a notice that my IBR plan was expiring. My payments simply inc reased. They are now saying I owe more than {$400.00} because of THEIR mistakes and shady business practices.
Sallie Mae is a terrible lender. Average wait time on phone calls are XXXX45 minutes, once the call is answered, you are continuously placed on hold. I needed a simple payoff letter on XXXX loans and it took me 7 days for them to only get the XXXX, then it took XXXX additional phone calls to get the other XXXX completed. I spoke with about XXXX different departments (? ) the expediting dept. said it would take XXXX72 hours to produce ( SOME EXPEDITING!! ), As I write this, I have been on hold for 35 minutes. Too many departments, too many workers and too much ineptness. I am glad I am paying this off because their poor practices scare me!!!!
They do not have an email option or portal that functions to provide information and get verification. 

Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. 

They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.
Attempts have been made to improve my credit scores. Wells Fargo has been reporting that account is correct with no delinquencies, insist on reporting account as an account that may be considered negative. Information reported to credit agencies by Wells Fargo does not support this account that may be considered negative. I questioned Wells Fargo 's actions to continue to report account as an adverse/account that may be considered negative. They have failed to respond to my concern.
I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing
Today, I learned that my credit card account number had been changed by the issuing bank, Bank of America. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. BOA claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.
My loan was recently changes from being serviced by XXXX/XXXX. XXXX to a company called Select Portfolio Servicing. 

In XXXX of XXXX I modified my loan with XXXX XXXX and have a 100 % on time payment history. 

I attempted to have PMU removed from my loan, but was notified that due to my payment history it would not be eligible for removal based on payment history until XX/XX/XXXX. 

I requested removal of PMI from my current servicer, SPS, who ahs recently informed me via mail that I am not eligible due to payment history. Note this correspondence was dated XX/XX/XXXX, well after I had made my 24th on time payment that XXXX. 

When I called SPS they stated on the phone they could not verify my payment history and did not have access to it. 

My PMI is eligible for removal, this is a situation I've followed closely for 2 years and their assertions are at best in error and potentially fraudulent. 

I have attached a copy of SPS letter and my payment history as available to me from my bank. 
You can see all my payments are made via the servicers auto-payment program. The payment date in their system is always before the due date and the date shown in the attachment is the posted date to my account which is often different.
This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.

PRODUCE MY ORIGINAL CONTRACT!!!

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX   never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.

We are taking legal action unless Perfection Collection removes all collection notices from my credit report.
These inquiries are not mines. 

Inquiries XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry.
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my credit score for  XXXX  company.
On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( this one is also on my XXXX report ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( I 'm not sure what XXXX is )XX/XX/XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
I have been making all my payments on my Walmart ( Syncrony ) credit card. I used my card to buy a laptop and I have sence then been paying off my credit card. The problem is that even with all portions of my credit being better than the day I got my credit Card approved and my credit score nearly 100 points higher than it was when I got the card they are lowering my available credit limit every time I pay it down and hitting my credit limit by showing higher credit utilization. I only have 2 cards and this one started at XXXX dollars as a limit and is now XXXX dollars. I only accepted this card because of its limit, if the card was going to he a XXXX dollar card I would never be interested because I typically buy groceries and other home necessities over XXXX dollars at the beginning of every month.
An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the debt.
i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items
I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.
On XX/XX/XXXX I called XXXX and spoke with XXXX to file a fraud alert on my account after noticing several discrepancies on my credit report that I had recently pulled from all 3 bureaus. I also mailed a certified letter on XX/XX/XXXX to XXXX and on XX/XX/XXXX they responded to me with my results of their investigation which led to the discrepancies being deleted off of my report due to not belonging to me. On XX/XX/XXXX I sent a certified letter to TransUnion and XXXX to follow suit with XXXX  and remove the accounts listed I also enclosed a copy of XXXX investigation results so they can see it for themselves. However both TransUnion and XXXX  responded on XX/XX/XXXX that they verified the accounts and the investigation was closed. I sent both TransUnion and XXXX another certified letter on XX/XX/XXXX asking for the accounts to be properly verified and to send me all documentation that they have in their files to justify their verification I also disputed the following inaccurate accounts and stated to TransUnion and XXXX, If they do not have any documentation in their files to verify the accuracy of these disputed accounts then to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. On XX/XX/XXXX XXXX responded that they will not reinvestigate the accounts due to they were verified under the FCRA 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Yet they have not sent me any information showing that the accounts are verified. I know my rights and in the paperwork they sent me it clearly states that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted within 30 days reciept of my letter which neither TransUnion or XXXX bothered to do. I would like the following accounts to be DELETED IMMEDIATELY from TransUnion : XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL XXXX XXXX XXXX Accounts .... The following accounts to be DELETED IMMEDIATELY from XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX , XXXX/XXXX, XXXX XXXX , XXXX/XXXX XXXX, ALL XXXX XXXX XXXX accounts. Both TransUnion and XXXX are damaging my credit worthiness and reputation by publishing inaccurate information. I have disclosed both proof that XXXX properly verified the accounts and deleted them due to inaccuracies, also proof that XXXX and TransUnion violated my rights under FCRA failed to properly verify and deleted the information even once I sent the proof from XXXX that they were investigated and removed. I am submitting this complaint due to the lack of investigation on my first two original disputes with TransUnion and XXXX. This is unfair practices by a credit reporting agency with no concern with no concern for the credit worthiness of a consumer.
I closed on a home XXXX XXXX, 2016, and was entitled to an escrow refund of {$5700.00}. I have called the mortgage company twice now ( PNC Mortgage ) and have been told twice that the check is " in the mail '' but there is no way to track mailing - when the check was actually mailed ( " should have been XXXX XXXX '' ) - or where it might be because they do not have a way to track delivery. This is ridiculous. Surely there are faster and more sophisticated ways to process refunds, but I suspect PNC Mortgage will not do this because they have the benefit of holding on to my money for as long as possible and are not held accountable. It is completely unacceptable to tell me they do n't know for certain if the check has been mailed or where it is right now.
Problems have existed in my account since XX/XX/2017. Monies have not been properly credited to my account causing all kinds of problems. Working with the company has resolved some problems, but others still exist with new problems being created. The company has failed to correctly balance my account. 

One new problem is the amounts reported to the IRS on Form XXXX. Even after filing a corrected Form XXXX the amount reported for interest paid on the mortgage is still wrong. It only includes interest paid through XX/XX/2017 and not for the full year.
Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. 

On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.
I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in XXXX year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX XXXX XXXX XXXX XXXX Il XXXX And XXXX XXXX XXXX XXXX XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX XXXX via XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX and XXXX 9.XXXX Bank Delaware 10.XXXX 11.XXXX 12.XXXX XXXX 13. XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX 16XXXX XXXX 17.XXXX XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help XXXX, Equifax and XXXX. all let me down.