WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!
I was living temporarily at the US and I had to open a secured card with XXXX $ to be able to contract some services in the US. They took straight away the money from my check account. When I moved to other country I cancelled the card but they said that they needed 90 days to get my money refunded in my account. After that period I checked my account balance and the money did n't appear in the account. When I contacted Wells Fargo customer service they said that they already sent a check to my address, but I was not living there any more! So they told me that I needed to receive in my new mail address an stop affidavit that I had to sign to have my money back. I never received that letter. I asked for it more than twice and it is the only international post mail that is not arriving to my new address. 
Wells Fargo refuses to give my money back despite they know that I never cashed that check. They refuse to use a certified post mail, e-mail or any other method that can ensure that the affidavit is going to arrive to my new mail address. They are literally robbing me XXXX $ because there is no way of having that money back. 
I would advice people to not open any secured card with Wells Fargo ever, they are going to lose their money. It has been more than 3 months fighting with their customer service with no resault.
I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. 
Here 's the account number # XXXX. 
Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. Thank you.
In 2015 I decided to pay off all debt. I contacted each collection agency. I made payments to RPM in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from another agency attempting to collect the same debt at the original amount. I told them I paid XXXX already. I was told to contact the collection agency that I paid. I did. I disputed the amount they told the other agency. After 30 mins. I was told they never processed my payments and that the 3 checks were mailed backed to me and the fourth one he would return to me once they got it. That was almost 3 month ago. I have not received a dime back. I 'm out of my money and I 'm at risk of suffering damages as I must pay to have the money sent back to me or pay a daily fee after a year if the money order is not cashed. The new company does n't care the information is inaccurate they just want the payment. I have called many times. They leave me on hold for 10-15 mins and then never come back to the phone. 

I feel this company should have processed my payments because they did not close my account until XX/XX/XXXX ( they already received 3 payments ). They never mailed my last payment back. If it was given to another company the correct amount should have been credited. My credit report was affected as it shows the wrong amount. 

This is defamation of my financial history and failure to report my disputed amount and the correct amount. Please help. I want my bills paid off but I 'm out of money and still owe the incorrect debt at no error of my own. 

Please help
I have an  XXXX   XXXX  card which is supposed to pay 5 % on supermarket purchases after an yearly limit of {$6500.00} at 1 % is met. My reward year resets every  XXXX . I met the {$6500.00} in  XXXX  and was receiving 5 % in  XXXX . Suddenly in  XXXX , I did not receive 5 % for another  XXXX  at supermarkets ( instead only received 1 % ). The reward year again reset in  XXXX . So, I was forced to spend {$13000.00} in a single reward year.     I was not paid the difference inspite of several hour long calls in which the representatives were not able to explain why I did not get it, but they still would not credit the difference and kept raising the issue at different departments. I am finally giving up after explaining this to several agents over several hours. I appreciate if you could look into this and credit me the cashback I rightfully earned.     Account  Ending  in  XXXX . Name on account  XXXX   XXXX
Re : Voluntary Discontinued of Chapter XXXX Bankruptcy FILE # XXXX Docket # XXXX To Whom It May Concern : Fair Credit Reporting Act 1681c relating to bankruptcy dismissal. XXXX Federal Courts of Georgia dismissed this case and does not exist in the eye of the law as it has been adjudicated. Therefore, you have no right to maintain information which the government deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and me an updated copy when this action is completed.
My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.
I am a XXXX Citizen who is working as XXXX in XXXX XXXX, XXXX ( XXXX ). I have been trying to start an investment account in the XXXX for my retirement, but no company ( XXXX, XXXX, XXXX, Capital One, etc ... ) will do business with me because I reside overseas. I literally ca n't invest for my retirement in the XXXX because the XXXX firms are unwilling to work with me, a XXXX Citizen with a XXXX mailing address ( Minnesota ). How can these XXXX based companies discriminate against a XXXX citizen by refusing to create a XXXX Dollar based investment account solely because I reside abroad? I 'm not a rich person, and I am trying to save for retirement, but I am finding this to be impossible.
Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.
The problem lies in the fact that the interest rate is more than my payment, I can not afford double payments and with my minumun payment they are still charging me {$400.00} per month in interest. I have had a student loan for over 20 years now and no matter how I try to pay it off- ll it does is increase. I had many deferments and the company kept charging me interest on the loan. My loan has increased over 20, 000.00 in interest alone. When I contact the company for help all they offer is a plan with lower payments and that does nothing when interest is still collecting. I also am supposed to renew my loan terms yearly and never receive anything in the mail, and they make it difficult to do this.
I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.
I currently have a fraud alert with XXXX. I was notified by XXXX that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

XXXX XXXX
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
From XX/XX/XXXX -XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus
There are 6 inquiries listed on my XXXX  and XXXX  report that I DID NOT authorize. I called XXXX and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
You have XXXX listings when there is only XXXX offense. Does n't it make sense to you if it is exactly the same amount and the same date that you have duplicated the offense.
In XX/XX/XXXX, we received correspondence from the Consumer Financial Protection Bureau regarding a legal settlement between CFPB, the United States Department of Justice and XXXX XXXX XXXX ( now XXXX XXXX ). In the consent order, it states that there are allegations regarding possible " discrimination impacting approximately XXXX XXXX and XXXX borrowers who potentially were charged higher interest rates and fees than XXXX borrowers because of their race or national origin rather than the borrowers ' credit worthiness. '' As part of the XXXX XXXX dollar settlement, impacted borrowers will be receiving a one-time disbursement of approximately {$540.00} once a signed Borrower Verification and Release of Claim form is submitted. 

We are very appreciative that this is being investigated, but wanted to know why a review for a possible interest rate reduction for these impacted borrowers is not part of the settlement. Is that something that can be considered? With low appraisal values preventing impacted borrowers ( like us ) from refinancing with their current mortgage company/servicer for a lower interest rate, we are paying a significant amount in interest each year with no way to lower the interest rate until the housing market rebounds. We have personally tried for years, however, due to our current loan to value, we are stuck at an interest rate of 7.25 % unless we come up with $ XXXX out of pocket, which really defeats the purpose of refinancing. 

Currently, our servicer is the Virginia Housing Development Authority and they have no plans to assist any of its borrowers with interest rate reductions, unless they are distressed. Unfortunately, no other company will refinance our mortgage due to our loan to value. The current HARP programs do not apply to loans owned by VHDA. 

In light of the recent allegations documented in this consent order, we are hoping the aforementioned can also be looked into, in hopes of helping some of these potentially impacted borrowers ( like us ) with a little relief. A {$540.00} one-time disbursement ( though we are appreciative ) compared to over $ XXXX we pay in interest a year on our current mortgage at 7.25 % in no way compensates. Although we feel the disbursement should be much more, we are more concerned about at least reducing the interest we will pay in the future through an interest rate reduction. 

We do n't want to lose this disbursement and have until XX/XX/XXXX to sign the Release of Claim which would prevent us from pursuing any further legal action. VHDA is currently looking into options, now that we have provided them with the documentation regarding the settlement, but we are not sure they will assist. Lastly, we reached out to the Department of Justice who referred us to the CFPB for any further inquiries, which is why we are completing this complaint per their instruction. 

Thanks in advance for your review and consideration to help provide relief.
I had a merchant account with XXXX XXXX XXXX. They claim that I charged someone 's credit card for {$4900.00} under my merchant account number. I never initiated any such charge. Apparently someone else had XXXX XXXX XXXX change my merchant number to route to their bank account and placed a fraudulent charge to someone 's credit card under my business name. Once the money was deposited to their account, they withdrew the funds and closed the account. 

XXXX XXXX XXXX got notice of a charge back under my company name and tried to recover the funds, but the account was closed. They are now contacting me and are claiming that I need to pay for this charge. 

I let them know that I was completely unaware of this and never charge a single credit card on my merchant account ( I opened this account to allow my customers to make ACH payments to me - they are usually less than $ XXXX/month ). XXXX XXXX XXXX never even notified me that my bank account was changed and I did not authorize a change of my bank account at any time. 

Obviously, the bank account was not opened in my name, as they must be opened in person with photo ID according to the Patriot Act. XXXX XXXX XXXX will not release to me the name of the person whose credit card initiated the charge back and they wo n't give me the name of the bank and account # where the funds were deposited, so I have no way of knowing exactly how this even happened. I can report that I received an ACH deposit the Monday after this alleged credit card charge ( Father 's Day ), so this must have been a very quick change. 

Since I did not initiate the change of this bank account information and did not make this charge, I should not be held accountable for it. I notified XXXX XXXX of this and they acknowledge it was probably fraud, yet they will do absolutely nothing on their end to investigate this fraud. They are only willing to proceed with collections against me, even though I had nothing no ability to control their security practices, which are obviously flawed. 

On my end, I did file a police report of this fraud and a fraud report with the Federal Trade Commission. I continued to receive calls from XXXX XXXX XXXX demanding payment along with threats that they were going to send me to collections. I kept denying I made this charge, yet they still proceeded with collections. I just received my first collections notice from Consolidated Recovery Group, LLC and I responded that I am disputing this charge.
I have had a vehicle loan through Wells Fargo for approximately 5 years. Both myself and the buyer are XXXX. I made the payments out of allotments through my paycheck for years. somehow my loan has consistently been overdue, charged large late fee 's, had a high interest rate and has had insurance added to the loan without my knowledge. I have done everything I can to work with the bank and now they threaten me with repossession. Due to all of the issues with the loan the loan is even more upside down than originally anticipated. How do I find out if my loan is part of the Wells Fargo military loan scandal?
I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.
On XX/XX/XXXX I contacted a seller by the name of XXXX XXXX that was selling tickets to the drake concert for XX/XX/XXXX. He requested I send him the payment through XXXX pay through my bank ( Wells Fargo and then he would transfer the tickets to me through XXXX. Once I sent the money the seller never answered my text messages or phone calls. I called Wells Fargo right away and they said they were not able to help me in anyway. They wouldnt even contact the other bank institution for me and try to reverse the charge. The amount was for {$220.00}.
I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score
On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.
XXXX of my student loans was recently transferred to a different lender. The previous lender was XXXX and the new lender is Great Lakes XXXX XXXX XXXX. I did not receive a bill ( or any other correspondence ) from Great Lakes after the transfer. I tracked them down on my own after not receiving any bills for a couple months. They tell me they did not have any current contact information for me, and that is why I did not receive a bill. XXXX had a current mailing address, phone number and email address for me on file. Great Lakes wants to charge me a {$5.00} late fee because I missed one month 's payment. I refuse to pay it. 

This is the second time that XXXX of my student loans has 'fallen through the cracks ' when one lender bought the loan from another. In the previous instance the late payments were reported to the credit bureaus, negatively impacting my credit rating. 

Perhaps I 'm being cynical, but I wonder whether these lenders WANT borrowers to fail to pay so they make money on fees.
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. 

To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.