WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX sent their letter to all XXXX Credit Reporting Agency, to have their negative account removed from my credit files. Attached as Exhibit A is a copy of their letter regarding account XXXX. 
On XXXX XXXX, 2015, I sent my letter to Equifax reminding them of the deadline of thirty days to remove the XXXX XXXX XXXX XXXX negative account from my credit file. My letter is attached as Exhibit B. 
As of XXXX XXXX, 2015, Equifax did not remove the XXXX XXXX XXXX XXXX negative account from my credit files, which still appears with the comment : " Consumer disputes - reinvestigation in process, Consumer disputes after resolution. " There is nothing to dispute since XXXX XXXX XXXX XXXX unequivocally told the credit reporting agencies in writing, to remove the negative account. All credit reporting agencies removed the negative account, with the exception of Equifax. 
To date, the matter remains unremoved and unresolved with Equifax, while I am incurring substantial financial loss in my inability obtain reasonable financing for my business expansion due to Equifax negligence and/or disregard. Equifax 's credit report on my files is attached as Exhibit C. It shows the the XXXX XXXX XXXX XXXX, negative account still being reported as my account.
On XX/XX/18, I was notified by XXXX XXXX that my name had been changed on my credit report and that I had 4 hard inquiries recently added. I found that this had all happened on my Equifax report. I submitted an online dispute for the inquiries and a few days later received an email stating that the dispute was concluded and I needed to log on to get the results. I tried doing that and received an error message saying I needed to call in. For the last WEEK, I have been trying, to no avail, to get this taken care of with Equifax. I am being told over and over to " call back in 30 minutes because the system is updating. '' FOR. A. WEEK. What kind of incompetent company has their fraud department going through a system update for days at a time???? I am very clearly going through identity theft and I can't even get it handled so that my credit isn't further affected. I need a resolution! PLEASE HELP.
I have received statements from this bank with no closing dates, no previous balance dates, no detailed transaction date, moreover, I believe I am being charged too much for interest. 

I have uploaded a chart of some of my recent statements. 

XXXX XXXX
Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report.
I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.
Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
I opened two of my accounts with Chase in early XX/XX/2017 of which remained open for a duration of about 5 months. In late XX/XX/XXXXboth of my Chase cards were closed without warning. In those 5 months that the accounts where open, I have been an excellent paying consumer. In fact I made payments weeks before the due dates of which nothing was due at the time. All efforts on my end went unappreciated when in early XX/XX/XXXX I received a notice from Chase stating that they were closing my accounts basically just because they can. This is poor treatment of a good consumer who pays well before time. At this point, I am very upset with Chase because this is unfair treatment of a consumer. This case was also reported with the XXXX.
WE HAVE TRIED TO JOIN SEVERAL MILITARY ADVERTISED BANKS AND CREDIT UNIONS AND THEY HAVE MEMBERSHIP REQUIREMENTS THAT ARE NARROW AND DO NOT PERTAIN TO SIMPLE VETERANS SUCH AS MY HUSBAND WHO FOUGHT IN THE XXXX WAR. THIS IS DISCRIMINATION TO THE VETERANS OF THIS COUNTRY THAT THESE ADVERTISED MILITARY BANKS DO NOT LET VETERANS APPLY FOR A SIMPLE CHECKING ACCOUNT. I NEVER THOUGHT I WOULD SEE THAT THE UNITED STATES DISCRIMINATES AGAINST OUR VETERANS AND IS ALLOWING MILITARY ADVERTISED BANKS AND CREDIT UNIONS DISCRIMINATING AGAINST OUR VETERANS WHEN ADVERTISING THAT VETERANS CAN IT FACT JOIN. I CAN NOT BELIEVE THAT OUR VETS ARE BEING TREATED THIS WAY AND I WOULD APPRECIATE YOU CHECKING INTO ALL THESE INSTITUTIONS AND ASKING THEM WHY THEIR MEMBERSHIPS ARE SO RESTRICTIVE. IF THIS IS OK WITH THE FEDERAL GOVERNMENT WHEN THESE ENTITIES ARE IN FACT FEDERAL MILITARY BANKING SYSTEMS AND THEY ARE DISCRIMINATING AGAINST OUR VETS.
This fraud company IQ Data International is falsely reporting an debt on my XXXX credit report. It 's been verified that the social on file is n't mine, I 've sent requested documents and still they refuse to remove it off my credit which is against the law. I 've spoken to rude agents such as XXXX XXXX and XXXX those XXXX are rude and speaks to you in a rude manner. They have used " scare tactics '' and threatened me on several occasions which is a violation. I 've asked to speak with the CEO XXXX XXXX and the reps most recently XXXX claims to not know how to get on contact with him. I 'm at my wits end with this situation and the illegal things they are doing. I 've gotten in contact with an Attorney Genrral and at this point I am ready to seek legal action against them.
XXXX REPORTING FOR LAST TWO MONTHES REPORTING TO OTHER CREDIT BUREAUS WRONG BALANCE ON ONE OF CAPITAL ONE CARDE BEFORE THE CYCLE ENDS. XXXX DONOT FIX THE PROBLEM MONTH AFTER MONTH.
These accounts were to be filed through my insurance. I called the office back in 2013 and the representative said they did not have my insurance on file. I updated it with her. However, she said she can not submit a claim over 30 days. I said her fault ; I have insurance. Your problem you lost it. Then called Simons debt collection agency woman said the 30 day thing is not true and that she would contact the medical office.
For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.
Medical bill from XXXX years ago was just posted to my credit report this month. I have no way to dispute this account because my personal records and bank records only go back XXXX months. How can someone wait XXXX years to report an unpaid bill and only be required to provide my name, SSN, and address, effectively putting the burden on me to prove I did pay or that the account is not mine?
I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
nissan motor accptance company continues to call my job and harrass me after i have spkoe to them several times and asked to not call my home or cell. they have continuesd to ignore my request and keep calling both my employer and cell.. now i have been written up and reprmanded for the personal calls. I feel i have been disrespected as well as the company i work for. I no longer wish to do business with NMAC any longer and want to be compensated for the stress the calls have created at my workplace
I was checking my credit report and saw that there was a collection account for over {$7800.00} that it states it was open XX/XX/2014. This debt is with a hospital. I was not in this state at that time plus I had insurance at that time. I have not ever received any written communication from the collection agency to verify this account. I also went to the hospital and they had no record of this debt. I wrote them a letter and informed them that this is not my debt and asked that it be removed from my XXXX  credit report and all others. This company refuses to remove this erroneous information from my credit file.
I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this  company has violated HIPPA Laws which I will Be suing. )
XXXX allowed someone other then myself to open an account under my name before verifying if the person opening the account was actually who they said. 
XXXX did nothing to prevent this action, and failed to notify of the issue to me at any given moment, they did not notify me of the second account under my name in XXXX, texas.
This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC
My electricity bill with XXXX is set up for budget billing ( estimated yearly usage is averaged over 12 months ) this is being reported as a 'partial payment ' to Transunion . I opened an investigation with transunion whom reported the past 6 months as unpaid on my credit report. This is untrue as my bill is set up for automatic payments.
On XX/XX/XXXX, I received a notification from the Dept of Education that XXXX  XXXX XXXX would be my loan provider. My loan was not posted to my account. When I called XXXX XXXX XXXX, they informed me it wouldn't be posted to my account until XX/XX/XXXX, several weeks later. During those weeks, my loans would be accruing interest yet I would be unable to make a payment. When I complained to XXXX XXXX, they were somehow miraculously able to post the loan the next day. 

This loan servicer manipulates payments in a multitude of ways. I experienced this through the entire repayment process for my undergraduate loans. This servicer does whatever they can to maximize interest expense at the expense of the borrower.
Alliance One sent a letter to me dated XXXX/XXXX/15 but I did not receive the letter by mail until XXXX/XXXX/15 which was past the 30 day time frame to dispute the debt. I did have an attorney sent a letter dated XXXX/XXXX/15 which I have a copy of the dispute, I never received anything for the company at all. I have a right to know that information if they want me to pay anything. The attorney advised me that Alliance One is suppose to send me something, the letter was dated XXXX/XXXX/15 but I did not receive by mail until the next month which is illegal. I checked the envelope and there is not a date on it, an attorney asked me that this company is known for doing things like this due to the number of complaints against this company, the amount shown on the bill is {$98.00}, therefore not likely for the company to take legal action against me. Even as of today, I did not receive the validation of debt which I am entitled to by law and this company ca n't mark my credit without sending the validation of debt to me. I could bet fired from my job if I have a collection item on my credit. Alliance One violated my rights when they knowlingly mailed out the letter after the 30 days which is against the law. The attorney I spoke with told me to file a complaint with the CFPB because this illegal not to send me the validation of debt after I requested it.
Every time I apply for a credit account with XXXX XXXX ( XXXX ) I get denied because Experian sends them information that I have an " unsatisfactory payment history ''. 

I have never been late in my life and no late payments are reflected on my credit report.
The Citi AAdvantage Credit Card is deceptive in its aggressive marketing of XXXX of the primary benefits of the card : First Baggage Checked Free & Group 1 Boarding when XXXX XXXX ticket is purchased using the XXXX. The benefit is only available to the cardholder who 's XXXX Number appears is attached to the account, regardless of how many cardholders are on the account. When I contacted the Citi AAdvantage Customer Service Line, the representative admitted that this is their # 1 complaint. 
They are forcing consumers to take on unnecessary debt ( get more than one card per household ) by limiting these benefits.
XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified
XX/XX/XXXX- I disputed a XXXX account when I noticed it on my credit report. XX/XX/XXXX/ Early XX/XX/XXXX- I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXX- I pulled my credit report and saw this debt was still being reported to both XXXX and Equifax . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXX- I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on XXXX and Equifax. I 'm not sure how this can be especially considering that this account has been in dispute since XX/XX/XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.
In XXXX of this year I purchased a mattress and adjustable base from XXXX. After several requests for a delivery date XXXX XXXX XXXX ignored my requests so I cancelled the order.None the less the XXXX  deleivered the items several days after my cancellation. My son signed for the order, so I immediaetly emailed XXXX XXXX to come and get the items as the order was cancelled. I put the tiems in storage, never opened never touched. Of course my Discover card was charged for the items which I disputed. Long story short I got a refund from U.S.Mattress for the full amount however Discover Card people have not adjusted my account and it shows over {$2000.00} owing which is the items for XXXX. I have been trying to get this nightmare reconciled but the accounting people at XXXX must have been asleep during their classes in XXXX XXXX becasue they refuse to adjust the amount owed. I have sent letters to the corporate offices of XXXX and numerous emails to thier credit card / financial departments but they are incapable of reconciling this matter. I need your help to interced for me. 
Thank you.
On XX/XX/XXXX I saw a missed call on my work phone. I called back it was a company called Diversified Consultants. I was told they we're calling in reference to a XXXX bill. I 1st asked the rep to remove my work number and she continued to talk about the bill that was XXXX. I informed her that I worked for XXXX years ago and had free cable and to please remove my work number again. Then on XX/XX/XXXX I get another call from a rep from their company name XXXX. I asked to call back I called back and spoke to XXXX XXXX, I informed her that I spoke with them and asked the last time to remove my work number. She stated the rep claimed she didn't have a chance to verify which number to remove. That's not true because I repeated the work number to be removed and never called. She continue to talk about the bill. I do not owe. I told XXXX this is a violation of debt practices. XXXX said she would open a dispute and remove my work number. However, the number should have been removed the 1st time.
I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the debt.
I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018
In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them.
My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. 
First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? 
Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. 
Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? 
I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. 
I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. 
The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.
Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount XXXX
Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.