WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ),  was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to  prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XX/XX/XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative several times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF. 

Any documentation needed can be provided upon request.
To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you
I had a XXXX and XXXX mtg XXXX XXXX for my house in XXXX, XXXX I was working for XXXX and forced to quit during the recession in XX/XX/XXXX. I was over XXXX and been in the company 25 yrs and made twice as much as everyone else. I found work but the wage was significantly less and was in XXXX. We could not sell the house so we rented it out for {$1000.00} pr/month and paid the {$600.00} difference in mtg payment. Over the years we paid over {$23000.00} to supplement the rent payments for the mortgage. We emptied out My {$44000.00} XXXX and my wife 's {$20000.00} XXXX to do this. I approached XXXX several times to ask for assistance with refinancing the mortgages. We kept the mortgage payments current. The XXXX mortgage was only 15 year term and could have been extended. They refused several times as we did not live at the house. After several years I asked if we could turn in the keys " in lieu of ''. I was told that XXXX XXXX XXXX prefers to do that with empty homes. So I waited until the rental agreement had run out and the renters moved. Then in XXXX XXXX XXXX I filled out the XXXX paperwork to turn in the keys or short sale. They kept putting me off saying they needed me to fill out a form a different way or more information. I was a XXXX yr XXXX Bank XXXX. I knew how to fill out paperwork. It was designed to put me off. Then I asked about short sale. They told me to get a good offer first, then make a proposal to them. They then sold the XXXX mtg to Seterus mortgage. I continued to fill out and send paperwork and copies of all my financial information, tax returns, pay stubs, bank statements. 

On approx XXXX XXXX XXXX we received a very good cash offer of $ XXXX on a $ XXXX balance between the XXXX and XXXX that my realtor put through homepath. It has been 9 months since I first tried to do this and 4 months since putting through the short sale offer. Seterus has neither approved nor denied the offer. Just a few weeks ago they asked me for more information and XXXX tax returns. Even though they acknowledge that I have previously sent it to them. I have literally sent over XXXX XXXX pages of financials. As you can tell I am extremely frustrated. This can all be verified through my realtor and homepath.
COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XX/XX/2018. 

Exeter Finance is one of the companies that was solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.

He refused to help.

It is unfair that they did that. It lowered my credit score by 200 points.
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.
On XX/XX/XXXX I received from XXXX XXXX  ( now XXXX XXXX ) an offer to upgrade my XXXX XXXX credit card to the new XXXX XXXX XXXX XXXX Card. The advertised offer was if I would upgrade to the new card I would receive XXXX points added to my XXXX XXXX account after my first purchase completed by XX/XX/XXXX. I then attempted to do the upgrade through the email on their " Upgrade Now '' button. It would not work, and I tried multiple times. I then called in to XXXX/Chase ( bank that issues the XXXX cards ) and did the upgrade over the phone. I verified with the man I spoke to that I would indeed get the XXXX points doing this over the phone. He assured me that I would. Once I received the new card in the mail I made two purchases. The first on XX/XX/XXXX for {$16.00} and the second on XX/XX/XXXX for {$46.00}. Thus meeting the requirements to earn the reward. On XX/XX/XXXX I was given a bonus of XXXX points. I never agreed to upgrade for XXXX points. The annual fee on this card is more than what it was on my old card and I was not interested in upgrading for only XXXX points. Therefore, I would have never accepted that offer. Once I saw this I called customer service and spoke to XXXX on XX/XX/XXXX. She told me they posted the XXXX points on XX/XX/XXXX and should post the additional XXXX points after the next billing cycle ( XX/XX/XXXX ). This never happened so I called customer service again on XX/XX/XXXX and spoke to XXXX. He stated I received incorrect information from XXXX, and said he would submit to his marketing department and see if they could add the additional XXXX points. He also told me the upgrade link didn't always work for their customers, so evidently this has happened to other people. He stated I would get a letter in the mail which I did on XX/XX/XXXX. This letter came from Chase Cardmember Service. The gist of the letter was that I was eligible to earn the XXXX bonus points, and the points would post in six to eight weeks. Again six to eight weeks have passed and they still have not posted. So on XX/XX/XXXX I called again and spoke to XXXX who supposedly escalated the issue to get the points added. As of this date I still have not received the points that should have posted in XX/XX/XXXX. I feel that this is false advertising. I have been a XXXX card holder for several years, and a Chase customer for even longer. I am very upset with the bait and switch that has taken place, and the lack of follow through on XXXX and Chase 's behalf. I'm hoping that this last appeal does something to bring this to their attention and get this corrected promptly.
I mailed a dispute letter to the credit reporting agency over two months ago and have not received a response. I believe this a stall tactic by this company. I feel they are disobeying FCRA regulations and intentionally not answering my letter and also in the process of violating my rights as a consumer. The information I'm disputing is causing harm to my credit report and credit scores. Its also causing me to not be able to apply for new credit lines and find balance to the stress they have caused in my life.
After having my service with XXXX suspended for several months after moving to a location I was unable to re-establish service, I ended up closing the account on X/X/15. The service had automatically resumed, even without any service equipment connected. I called and spoke with a representative and discussed options. We decided the best thing would be to close the account and pay the early termination fee and remaining balance. She credited one month as a courtesy and since only 1 day had passed in the current bill, that month was essentially refunded as well. This overall left me with a credit of {$130.00} on the account after paying the early termination fee. The account was closed on X/X/15 and a refund of the remaining balance was mailed to me on X/X/15. I have email confirmations showing both events. XXXX has repeatedly over the last 2 years sent my account to collection agencies saying there is a past due of {$180.00}. This is untrue. I have repeatedly disputed this amount with the credit bureaus and had the negative actions removed from the reports. 2 years of disputing credit reports is really getting a little old.
I am formally writing this letter of complaint to you in regard to Experian Credit Bureau. 

Experian has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX  ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Experian in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Experians failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Experian Credit Bureau.

Thank you.
Hi, My last credit score that I got from XXXX was over XXXX points. I applied for a credit card with XXXX and have not been approved. I was also a victim of the Equifax data breach. XXXX directed me to enroll in trustedid to help with protecting my information. I have received three notifications from this Equifax subsidiary telling me I need to log in and take action on the pending alerts. I 've logged in MANY times and there is nothing else I can do on the website. I 've also called the number in the email and was not able to communicate with the representatives who answered the phone. They were not able to find my account. I do n't know what else to do. There is no reason I should not have been approved for a credit card. My goal was to use the new credit card to transfer a balance so i would not pay interests. Equifax is preventing me from doing that and causing me to pay interest that I otherwise would n't.
XXXX Experian XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life
I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!
I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.
Since Navient has been the loan servicer I have received wrong information, pressed to apply for forbearance and not provided accurate and clear information about the income-based repayment and or borrower defense, since XXXX XXXXXXXX XXXX XXXX XXXX ( now XXXX University ) provided me with false information about their accreditation and the ability to be licensed and employed after completing their program. 


I enrolled in the program in 1998. There was no APA accreditation.
Date Filed XX/XX/2011 Type Chapter XXXX bankruptcy discharged Reference XXXX Please reinvestigate this bankruptcy. I've disputed this public record numerous times with little to no investigation by TransUnion. The other credit reporting agencies realised that it was inaccurate and removed the item.
My experience with Lowes/XXXX XXXX has been horrible since XXXX when problems with their credit card as ruined my credit report since then. In XXXX my Lowe 's credit card had a withdrawal of {$250.00} dollars without my consent from my checking account. I called customer service and explained what happened, the person from customer service told me that it must of been one number off of someone else 's account number and the withdrawal should not happen again.From there I had to go to my bank which is XXXX and fill paper work out to get my money put back into my checking account, which they did. So I decided to cancel that credit card and open a new one just to be same. A year later the same problem happened again. {$250.00} dollars was taken out of my checking account without my consent. Again I called customer service and they explained that should of never taken place. Then once again had to go to XXXX fill out paper work to get my money back. Once again they had to get my money back from that withdrawal. But as all this was going on I was still making payments on my Lowe 's credit card bill like always. I notice that all my payments where being returned to me and late fees and interest charges where being placed onto my credit card bills. Come to find out XXXX had shut down all my transaction between Lowe 's and XXXX without me knowing and telling me that they had done that until I found out for my self which was very upsetting to me. Unfortunately because of their mistakes my credit rating has suffered immensely! I was taking to court by XXXX XXXX and paid off all my debt so I thought. I find out that I still have a Lowe 's credit card with a balance that has been charged off? I am looking for some help on getting this resolved and my credit rating to be improved. I'm also on XXXX and can not afford to pay off the debt at this time. If it wasn't Lowe 's / XXXX XXXX and XXXX I would not this dilemma. Thank you XXXX XXXX
I opened a checking account with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called XXXX XXXX and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out XXXX XXXX 's fraud paperwork. XXXX XXXX gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The Best Service Company. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
citi mortgage perpetrated loan modification fraud on me ... .they added XXXX dollars to my principle for no reason ... ..they said sign this ... i said no ... they said it doesnt matter, we implemented it anyway ... .they then forged my name and sold it to XXXX XXXX ... ..WHY CANT YOU DO SOMETHING ABOUT THIS??????
On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX  doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My wife, XXXX ( XXXX ) XXXX XXXX filed her report under case # XXXX # XXXX IN XXXX 2016. The following letter to XXXX, XXXX and Transunion will point out the problems we have incurred in trying to get the credit bureaus to take off XXXX of XXXX XXXX and also XXXX ( all of which were involved in the repossession of our home, which we feel might, infact, be mortgage fraud ). XXXX removed the information ; Transunion removed XXXX of XXXX XXXX as a direct result of you helping us. My wife overlooked that XXXX was involved and apparantly purchased the debt from XXXX etc. I would also like XXXX to remove the same information from our credit. I am attaching a certified letter that we sent to all XXXX XXXX credit reporting agencies which tells our story.