WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent Bull City Financial Solutions dispute letters and Fraud Affidavit informing them that I was a victim of identity them. I sent them this form on XXXX XXXX, 2016. Someone use my information without my knowledge. I have disputed this claim with both XXXX and XXXX and they have stated that Bull City Financial verified that the information that they are reporting is 100 % accurate. According to the laws, if the information is not accurate then they must remove this information from my credit file. In this case, this account must be removed because it does not belong to me and I have sent Bull City proof of this. I need your assistance in getting this matter resolved because I am tired of going back and forth with Bull City and the Credit Agencies.
Inquiries are fraudulent and were not authorized. I continue to dispute them with Equifax who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Hard inquires are as followed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.
They call before XXXX on Saturdays. It 's disruptive and annoying, plus it 's an robocall, which makes it even more annoying.
Providian National Bank threatening suit on a debt that was charged off in 2004 using XXXX & XXXX ( case XXXX ) on account XXXX. Debt collector calls on an almost daily basis threatening suit and indicates this will be the last call then calls the following day with same threats. Used location service Overnight Locators XXXX XXXX XXXX as well. Calls family members and neighbors. Debtor is XXXX years and lives on social security. Please stop ALL communications immediately including telephone and letters.
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.
XXXX case number FOCUS PAY ATTENTION They keep saying I GAVE WRONG INFORMATION. THAT INFORMATION THEY HAVE DOES NOT MATCH. I DO NOT LIE I DO NOT GIVE OUT FALSE INFORMATION. THEY MUST SUPPLY ME FIRST WITH WHAT EVER INFORMATION THEY CLAIM IS WRONG. I WILL NOT GIVE ANY MORE OF MY INFORMATION UNTIL I SEE WHAT THEY SAY IS WRONG INFORMATION. THEY NOW HAVE SENT i BELIEVE THE 4TH REQUEST OF MY PERSONAL INFORMATION BUT HAVE NOT SHOWN ME WHAT THEY SAY DOES NOT MATCH. 


PROVE IT WHAT IS WRONG INFORMATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

INSPIRE BELIEVE DREAM XXXX XXXX
schlee & stillman a debt collection company by and through XXXX XXXX XXXX, who claims to be representing XXXX XXXX, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and XXXX, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form XXXX ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this.
In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused. 

Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.
Upon selling my home XXXX PennyMac failed to refund my entire escrow account. Despite a letter from PennyMac stating they have {$240.00} for me all I need to do is tell PennyMac I want the money and they will send it they continue to hold the money. I emailed the documentation they requested to advise them I wanted the money and I have also called PennyMac twice yet PennyMac continues to provide excuses about why I have n't received my money. I have provided my current address on XXXX occasions yet PennyMac can not seem to update their system to reflect the proper address.
As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )
My wife and I request our free credit reports from the 3 bureaus every year since it first was offered. Our most recent request was XXXX XXXX, 2017. Neither of us have problems with XXXX or XXXX. My wife always receives her eperian report promptly.
However, I have a complaint about experian. EVERY year, they ask for " additional '' information on myself. Name, SSN, address, date of birth PLUS copy of government ID PLUS utility bill. They say they can not find me and offer " special offers ''. In other words, they do not want to give the free report, they want me to buy their products.
My wife and I have the same address and same accounts. I provided all requested info and document copies, but they still can not find me. This seems wrong to me. I have purchased my report in the past and they can magically find me. I think experian needs to be a more professional company. Of course, you ca n't call them and it takes so long to hear back when writing. Please help.
On  XXXX / XXXX /  XXXX   I recieved a past due bill of {$150.00} from  XXXX   XXXX   XXXX  that is due by  XXXX / XXXX /  XXXX  . I was advised the account was closed and My name was no longer associated with the account. Today on  XXXX / XXXX /  XXXX   I also recieved a letter dated  XXXX / XXXX /  XXXX   from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of  XXXX   XXXX   XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact  XXXX   XXXX   XXXX  to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance.  XXXX   XXXX   XXXX  also stated I would need to contact the collection agency to resolve the matter.
I believe the company is possibly involved in an unfair and illegal practices when it comes to consumer credit cards. I was sent a pre-approval from Chase due to my excellent credit, which I accepted. After completing the application, I was informed that I was approved for a $ XXXX credit limit. After receiving the physical card in the mail, I created my online account and discovered that the card shows as " closed ''. I called Chase customer service department to inquire as to the reason. After being transferred numerous times, and speaking to numerous associates, I was finally advised that the card has been closed due to the bank 's discretion and that I my credit history does n't meet the chase preferred credit card requirements. This upset me as I was just approved 4-5 days earlier and had not even had a chance to use the card. If there was something in my credit history to condone closing of the card, this should have been done in the 1st place and the application should have been not approved/declined. Now Chase card appears on all of my credit bureau accounts as a closed card by the creditor. It is my understanding that its an illegal practice, much like what XXXX XXXX has been doing and has been fined by the US government. Chase bank approved my application, their associate received the credit for it, and now 4 days later they are closing the card and impacting me credit history negatively.
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.
This complaint is regarding a closed account with XXXX. I have been a customer of XXXX for more than 4 years, unfortunately, this incident happened twice with XXXX. 

The first one was that I transferred responsibility to another person and stated that there was a {$75.00} balance that was not paid. I was called by a collection agency after several months and did pay for it because I did not want to get reported to the credit bureau. However, XXXX did not send me any mail or final bill or even a phone call even when I still have an active account with them. 

The second incident happened early this year when I transferred responsibility to my brother as I completely cancelled my XXXX account due to unsatisfactory service. My transfer of responsibility and change of service started XX/XX/XXXX. I then requested a final bill which I received on XX/XX/XXXX  with the amount of XXXX that I paid XX/XX/XXXX. Since I received the final bill, I assumed all the transaction including the transfers were all taken care of. 

On XX/XX/XXXX, I received another letter that stated I owe {$550.00} from a cancelled account from XXXX. I then started calling XXXX multiple times to clarify the bill that I even went to their store. Unfortunately, since the account was closed and I couldn't remember the passcode, we were back and forth on who to talk to. I believe my mistake was also not writing down how many times I called which I was in good faith that they will follow up. 

I did not hear anything from XXXX at all so I decided to call on XX/XX/XXXX, I finally learned that XXXX charged me for an equipment that I do not own. XXXX then contacted the person that I transferred the responsibility to so that this transaction will be completed. I did not received any notification or follow up call, again, in good faith that they are handling the situation like they should. 

A couple of weeks later, I still have not received any final corrected bill XXXX so I made a call on XX/XX/XXXX. They said that the person that I transferred responsibility to only signed 1 out of 3 paper documents. I then question them why did they not informed any of the account holder or follow up any call so this can be avoided. After lengthy conversation, I stayed on the phone with the representative along with the other customer to make sure that the other 2 documents were electronically signed and said that the signed documents were completed. I then asked for an updated bill but was advised by the customer rep to call back on XX/XX/XXXX because my billing cycle would start then and the bill will be updated. 

On XX/XX/XXXX, I received a phone call from Convergent Collection Agency and spoke with XXXX XXXX that stated I owe $ 500+ from XXXX . 

XXXX did not communicate properly with us regarding our final bill. They just sent my information to the collection agency without proper follow up or letter. This is very devastating especially I take care of my credit score.
A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.
I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX TransUnion, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY.  I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, XXXX and TransUnion have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
I have a credit card with Citi Bank. I called them in XXXX of 2017 and made a payment for {$450.00}. After processing the payment and the telephone clerk stating the payment was processed I told them I had to make another call and promptly ended the call. The clerk input my zip code incorrectly after telling me the payment was processed, and the payment never went through. They never called me to notify me, nor sent anything in the mail to inform me of the issue. They did tell me on the phone call my payment was processed. If I would have known it didnt process I would have made another payment. Because of this they hit me for 60 day late on my credit report. I had made a payment the previous month for {$450.00} to cover XXXX and XXXX but they didnt apply to both months. I over pay on this card every month by more than double what I am supposed to pay. I attempted to make this payment and they made the error. They refused to undo the lates because I said I had to get off of the phone on the conversation. I dont remember the exact date or time of the phone conversation, but I can obtain it if needed.
SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may have  been purchased by  XXXX  ..or c hanged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Freedom Mortgage short paid property taxes from escrow account.
Freedom Mor  tgage stated refusal to pay full tax amount prior to foreclosure process date.    Property Owner was  forced to make tax payment in order to avoid foreclosure.    County  transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.
I am having issues with my credit report, XXXX XXXX XXXX will not show as closed on my account or the credit agencies wont report it correctly.
Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX.

since then i was told that i would have to wait to get my credit score but I never had it.

When I contacted XXXX and XXXX, they both answered that I was unknown to them.

On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score.

He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history.

Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX   Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). 
They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting.

When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name.

I have all emails to HSBC but not for experian those were only phone calls.

I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house.

Thank you for your help
Gap visa. This account has been opened without my consent. It is fraudulent. XXXX XXXX XXXX XXXX, FL XXXX
I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop