WillisBack/dataset-financial-user-claim huggingface dataset:
This issue arose  in 2013 and I have my attorney contact this company for reporting this on my report without informing me of this activity which is against the law. I have never gotten any notices or calls from Hunter Warfield regarding this balance and they have no record of reaching out to me either. This was all taken care of in 2013 and  now it is resurfacing again without any notice from the agency again.     Please take this off my report as this issue has been resolved legally.
Spoke to Loan Depot after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my XXXX  Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted XXXX, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.
I disputed on XXXX 2016 the accuracy of a XXXX XXXX XXXX XXXX XXXX account that appears in my credit file with Experian. I requested that Experian provided to me the XXXX of XXXX used on their investigation pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA. Experian has not responded to my request. See letter.
Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time.
I recently reviewed my Experian Credit Report. I have been disputing a XXXX Account ( # XXXX ) since XXXX 2016. XXXX & XXXX have completed their investigation and removed the negative account from my Credit Report ( XXXX & XXXX ). Unfortunately, Experian remains with this negative account on my Experian Credit Report.
Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
I filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SEQUIUM ASSET MGNT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.
Related OPEN Cases : CFPB # XXXX TO WHOM IT MAY CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX and whomever else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE 2 DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX XXXX AND LETTER TO XXXX XXXX XXXX XXXX THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO ABUSING MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the XXXX XXXX XXXX XXXX requested the letter I attached below Thanks Respectfully and Sincerely, XXXX XXXX
On XXXX XXXX 2018, I found on my Transunion credit report, someone applied for credit under my information with XXXX XXXX XXXX. I called Transunion to dispute this as fraudulent activity. They told me that I could not dispute a hard inquiry based on the Fair Credit Reporting Act. They said my only recourse was to contact the company and dispute it with them and have the company remove the hard inquiry. I talked to a manager and they told me the same thing. I was confused by this from what I had read and repeatedly questioned why I could not dispute an inaccuracy on my credit report. They continued to say " based on the Fair Credit Reporting Act ''. Please let me know if I am incorrect in my understanding of dispute resolutions from the FTC website and others. I believe Transunion gave me incorrect information and did not provide the correct process under the regulation.
I pay portfolio recovery for my old XXXX account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit
I recently completed a Chapter XXXX Bankruptcy ( 4 Months ago ) and month later after checking my credit report I noticed my student loans were listed under a collection agency. At the time I did n't know Private student loans were n't included in a Chapter XXXX so I filed a dispute with the collection agency. I began receiving settlement calls from the creditor asking for a settlement of {$1000.00}, I did n't have that much money readily available at that time. I have not once received an e-mail or letter/bill for my private student loans but I do regularly receive letters for my Federal student loans. I have been making payments on my private loans and when I reached back out to Navient today ( XXXX/XXXX/2015 ) to try and get my interest rates reduced from 13.25 % or lower the total amount. They informed me that I need to call back in a week because my account is in collections and they do not know who the creditor is. I find that odd as I have not received any written communication about this AND when I go to their website it still allows me to make payments ( Which I have been actively doing ). The website also says I have missed 19 payments and I do n't see how that 's even possible considering I have only been out of Chapter XXXX Bankruptcy protection for 5 months. I feel that this lendor may be taking advantage of me and I would like someone to look into this please.
Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX  as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..
I have a discharged chap XXXX, and since that Ocwen Mortgage stopped reporting my payments, so now appears that I have no home loan, and no pay history, and my balance is not correct, they seem to not want to fix this, all I get is we will investigate well XXXX will be a year, it does n't take that long to investigate. All last year I made XXXX payments to them, my payment is only XXXX. This year so far making XXXX payments to try to pay them off quickly as possible. I need my credit report to reflect payments, and current bal, and that I am still paying them.
XX/XX/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. {$950.00}. I then check with the county assessor office and the accrual tax is {$420.00}. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on XXXX/XXXX/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a break down of the PITA and $ in escrow. No contact only calls that my loan is still in default. I have tried several time to resole this and request either an upper management call me or their legal department. To resolve. they are threatening me with foreclosure and in conversation with the agents they have no notes in the system that they stated tthey would note. I have mailed in certified mail bank statements showing all payments are made on time and the payment of the special assessment. I also have sent them copies of the tax bill. I still am getting letters of foreclosure. I have now requested all documentation and future discussion to be in writing. I need to stop this foresclosure because I am not in default. Freedom Mortgage has misappropriated my loan funding. I am a Vet ( XXXX ) and I need assistant in dealing with Freedom Mortgage.
TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Bank of America asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.
Finance systems of Toledo keep trying to collect two {$50.00} amounts and one {$120.00} dollars amount that's not mine. I have asked for a itemized statement and they won't provide it. I understand the amount is small but it's not mine I'm sure it would be easier to just pay it but that's not right!
EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.
I was a victim of identity theft and as a result of this, all of my information and credit cards were compromised. I tried to reach out to XXXX several times over the years requesting documentation regarding these charges due to fraud and received no assistance other than being advised that the account has been sold. I reached out to the collection agency know as XXXX XXXX XXXX ; XXXX XXXX and was advised to provide documentation to them regarding the Fraud, Identity Theft and as a result, they have removed the accounts from my credit report due to fraud. I would like for XXXX to remove the accounts from my credit report as well. account numbers are XXXX and XXXX Your assistance in this matter is greatly appreciated. 

Thank you, XXXX
Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. 

On Wednesday XXXX XX/XX/2018, they called md every half hour. 

This past week, Ive received fifteen letter from them.
I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything.
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.
I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.
I have notice per credit report that XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX/XXXX  acct # XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX
I needed help paying my student loans so called Navient to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
OnXX/XX/XXXX I called Equifax to remove inquiries that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another US Rep received my call. I explained to her what happened and how the US Rep was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other US Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other US Rep was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. XXXX   was pulled on XX/XX/XXXX &XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX  was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted XXXX onXX/XX/XXXX and spoke with a US Rep who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX  on XX/XX/XXXX whom as well told me the same thing XXXX stated except they put a Fraud alert on my credit file and still wouldn't help me with these unauthorized inquiries.