WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her first marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Citibank XXXX keeps calling and hanging up even though all my accounts are current with them. I receive several calls a day on my home and work number that are annoying and harassing even if I do not answer them any more. I have confirmed that my account is current and I continue to receive calls.
XXXX/XXXX/XXXX - letter sent to Lease company - XXXX  XXXX - about identity theft - XXXX -  XXXX delivered : XXXX/XXXX/XXXX ( attached ) - {$47000.00} XXXX/XXXX/XXXX - Letter received from XXXX  XXXX Fraud Department - form needs to be filled XXXX/XXXX/XXXX - letter ( requested form ) sent to Lease company - XXXX XXXX - ( USPS tracking no : XXXX ) - delivered on XXXX/XXXX/XXXX - FTC 's identitytheft.com law enforcement report included - notarized, as requested ( attached ) XXXX/XXXX/XXXX - letter received from Lease company - FTC 's identity theft - FTC 's report is not sufficient, they need a letter from New Jersey Police - that they are investigating the case XXXX/XXXX/XXXX - reported in New Jersey Police Department the Identity Theft, confirmation issued ( attached ) XXXX/XXXX/XXXX - Police statement sent to XXXX  XXXX ( attached ). They said that they need detailed investigation report from police and until they receive that I am still responsible for a car lease what I never signed ( I was not even in the country ). 

XXXX/XXXX/XXXX - email sent to XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX, XXXX the Attorney General is not authorized to release criminal reports to noncriminal justice agencies. 

So basically XXXX XXXX is ruining my credit score ( e.g. XXXX ) as have put a default on my credit profile as they keep requesting a document what is impossible to get.
On XXXX XXXX, XXXX, I received a letter from the XXXX XXXX D. Scott Carruthers, stating I owe a balance of {$16000.00} for an original debt of {$2100.00}. In the letter they also state that once they verify my place of employment, then they will begin the lawsuit. I have written the collection agency that this law office is representing on several occasions requesting proof of the debt. I have never gotten any response from them. The last letter I sent to them was dated XXXX/XXXX/XXXX where after doing some research of my own and contacting my states attorney general, I found out that the Statute of Limitations had expired.I sent them that letter explaining my findings and still have yet to get a response from them. And now 1 year and 3 months later I get a letter stating that I will be sued. 
Update XXXX : I have since tried to resolve this matter by going to court but ultimately settled and am now paying {$50.00} a month on a debt that I do not owe. I am a victim of identity theft and this loan was taken out in my name without my knowledge by my former boyfriend who I was abused by. I feel that since we lived together at the time and he had access to all of my personal information, that he took out the loan without my knowledge or consent. I provided this information to the lawyer that contacted me including police reports, and an identity theft letter ( notarized ) and copies of previous restraining orders to prove the abuse that I was subjected to. A deposition was done as well, and I told them the same thing. But they continued to state that I owe the debt. Although I am currently paying ( out of frustration, and fear of them finding my abusive ex and them giving him any information to where he can find me-he has threatened to kill me on several different occasions ) is there anything else that I can do? I do not want to pay for a debt that I do not owe! I originally filed a complaint back in XXXX and am still working to resolve this matter. Here is the Case number : XXXX ]
Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit card accounts. While the accounts were not established the applications did result in fraudulent related inquiries on her credit reports. Several official disputes were made with the creditors as well as the credit bureaus in an effort to remove those inquiries however, Equifax is still reporting two of the fraudulent inquiries while XXXX and XXXX have removed the data as fraudulent. The inquires remaining are XXXX and XXXX/XXXX XXXX.
I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX
Balance transferred ( via mai l ) f rom  XXXX  Bank to Citibank on  XXXX / XXXX / 17  remaining principal of {$9200.00} prior to 0 % interest offer expiring on  XXXX / XXXX / 17  (  1st a ttachment ). Citibank did not post the balance transfer ( see Complaint  XXXX  ). Paid minimum payment of {$130.00} to  Citibank for billing cycle that balance transfer was to pay-off. Reissued balance transferred ( via mail ) from  XXXX  Bank to Citibank o n  XXXX / XXXX /   17  remaining principal of {$9100.00}  ( 2nd att achment ). The second at tempt Citibank did post the balance transfer, thus fulfilling the remaining principal. Called Citibank to have them close my account and reverse the late fee ( s ) and interest, but as the last two attached statements show, they did not do the reversals. The account has now been closed, but the statements still   show late fee ( s ) and interest.
I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached.
Equifax is giving me a hard time disputing my reports online. I have submitted my correct information and it is stating the information is incorrect. When I called in, they will not help with the issue but instead are attempting to force me to do the process over the phone with them. I'd like to investigate each instance and then make a decision if I will dispute it or not. I have done this with XXXX and XXXX already but Equifax is not being helpful at all.
Experian has  XXXX   medical collections o n my report that are wrong. These medical bills are a part of a on going law suit and are covered under a letter of protection from my attorney. My attorney has already taken care of these collections when they were on my credit report from  XXXX  and  XXXX  and were removed. I do n't know what Experian 's problem is.     The  XXXX  collections are ...      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$310.00} {$310.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$640.00} {$650.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX   )   XXXX
RUN SCREAMING NEVER GET A CARD FROM THIS COMPANY!!!!! It's such a fraud they build your trust and just snatch their credit cards back without any email or explanation. Play games with your credit and then I got the run around. My bank made an error XX/XX/18 and Capital One tried 7 times 8 including the other card without contacting me once. I'VE NEVER EVER had overages or late charges. They had me get a letter from the bank mgr. I did that stating their error, sent me a secured link XX/XX/ llike 10 times that DID NOT work and the customer service person kept asking me about my email address. I tried from 3 different phones and my desktop. WHAT A NIGHTMARE finally they tell me to fax it they'll get it in XXXX hours because their faxes get answered by a company even though their located in Virginia. I call back XX/XX/ the lady said get it current which mind you it was before it was negligently cancelled. Pay {$100.00} on one {$50.00} on the other. All the while I'm being treated like a criminal and not the long standing customer I've been which is why my credit was increased twice. So I call back NO ONE seems to know what is going on and I get told something different I have to add all the while. NO FAULT of my own the money was in the account and then some. They made sure to keep telling me we'll review it, you " might '' get your accounts reopened. I must've heard that atleast 50 times. AN AWFUL WAY TO BE TREATED! Even the bank mgr was shocked. SCAM, SCAM ALL THE WAY they keep tacking on miney to a " Closed accout '' I guess its only closed to me. Interest all these extra fees that had I be allowed to pay there would be none of this..I CRIED MY EYES OUT NO SYMPATHY, NO ASSURANCE AND NO FEELING AS A VALUED CUSTOMER. I was treated like a common criminal I guess it's because my name is XXXX, but I DESPISE HOW THEY TREATED ME THESE ARE AWFUL PPL. DO NOT GET INVOLVED WITH CAPITAL ONE THEY'RE A BUNCH OF QUACKS WITH NO CIVILITY.
Seterus has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, Serterus has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. Seterus refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.
Repeated calls from a company for an unknown person through my telephone number. I have spoken to a representative and stated that they are calling a wrong number but calls persist. 
The offending company is calling from XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX : Synchrony Bank Credit Card access Blocked I am Synchrony bank customer member since XX/XX/XXXX and I am enjoying all benefits since begin. XX/XX/XXXX I am try to use my credit cards and its not working. I am so disappointed all my synchrony bank credits card blocked without any future informing .Please explain to me why is blocked my all credits card after 2 years using. Following credit card blocked - Care credit Account ending in XXXX - CarCareONE Account ending in XXXX - Chevron and Texaco Visa Card ending in XXXX -JCPenney Credit Card ending in XXXX -GapCard Account ending in XXXX -Old Navy Card Account ending in XXXX XXXX, XXXX XXXX Account ending in XXXX -Amazon.com Store Card account ending XXXX XXXX -TJX Rewards Credit Card account ending in XXXX -Walmart Master Card account ending in XXXX XXXX XXXX Card account ending in XXXX - XXXX XXXX Visa Credit Card account ending XXXX -XXXX  XXXX Credit Card account ending XXXX attached my income details Bank Statements, Pay Stubs Physical address verification ( Credit Card Statement XXXX ) and Permanent Resident Card and California Driver License Please reactivated my cards as soon as possible. You need more information call me ( XXXX ) XXXX Thanks. XXXX XXXX XXXX
Profit Services Group {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 checked my Experian Report and Found a collection account from XXXX or XXXX, I notified both XXXX and Experian that these are Fraud and asked Experian to block this account under FCRA Section 605B and 623 ( a ) ( 6 ). Experian failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!
I settled this debt back in XX/XX/2012 and now another company is attempting to collect on this debt. Threatening to sue me and take me to court. I contacted Convergent and they confirmed verbally this debt was settled and closed. But will not provide me documentation stating the debt has been settled and closed.
Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. 

XXXX
I submitted a fraud complaint on XX/XX/XXXX. Upon further investigation into my account, I realized the fraud was more extensive and filed an additional fraud case with the bank on XX/XX/XXXX. Per Reg-E, the bank was to issue me a provisional credit within 10 days of receiving the complaint ; however, that wasn't done until XX/XX/XXXX. 

The bank did not adequately investigate the fraud claim. The bank refused to provide written documentation when I requested it related to the investigation. 

The bank cancelled my account on XX/XX/XXXX citing " risk ''. On the same day, the bank put a $ XXXX hold on my account citing the need to reverse the provisional credits assigned during their fraud investigation. Today is XX/XX/XXXX and the bank still hasn't lifted the hold and released my personal funds. 
.
I took out a best XXXX XXXX card and it went into collection. in XX/XX/2015 I got a payment notice from them and said I was unemployed and could n't pay them any money because I was n't receiving any unemployment and my wife and I were barely getting by on what she was making. I sent them a check for {$25.00} along with a letter explaining our situation and that as our situation allowed we would start to pay small amounts towards the debt. I also asked that all communication be in writing.They never cashed the check and they did n't communicate with us for a year about setting up a payment plan. I did n't hear from them until last spring. They filed a lawsuit against me for a little over {$2500.00}. I tried contacting the collection agency to set up a payment arrangement and they had no record of the account let alone that it had gone into litigation. My wife and I ended up moving and again we had n't heard from them until XXXX where we got a court order for them to take my state tax return that was dated XXXX. I called them last week and explained again that I had been unemployed and just got to the point to where we can start paying on this bill. They wanted the full amount right then. They were n't interested in setting up payment plan.
On XX/XX/2017 - XXXX referred my mortgage application to Credit Union Mortgage Association , Inc. for my VA Home Loan. Unknowingly, CUMA sends the mortgage to a 3rd party for underwriting. I provided them with all requested documentation the same day, answered all questions, etc. I had extreme difficulties obtaining replies as to the status of my loan with underwriting, finally after elevating the situation I was able to receive few answers. 1 week until closing, the loan was still in underwriting and they requested all new financial documents and additional information. Was informed after providing the documents the mortgage was out of underwriting and I would receive the HUD statement the next day. On XX/XX/2017 ( Friday ) at XXXX the HUD statement arrived with numerous errors ; corrected version sent to me at XXXX. Monday XX/XX/2017 I was informed the loan was back at underwriting due to a clerical error and new documents were forthcoming. Tuesday XX/XX/2017 ( settlement day ) mortgage documents were not available for title company until 30 mins prior to the assigned time. I was provided time by the settlement company to read the documents prior to signature to confirm accuracy. I signed all documents on XX/XX/2017 at XXXX. I was told the delays and errors are " My Personal Fault '' for not clearly stating the property was not a single family home, however was a duplex to which they consider rental property. Yes the house is a duplex, on all the contract I sent them clearly stated ( XXXX XXXX XXXX ). On XX/XX/2017 a XXXX Family Rider ( Assignment of Rents ) document was sent to the Settlement Company for my signature. The document states CUMA will retain legal rights to the " rental '' side and all modifications, upgrades, etc., require their permission to include any tenants will submit their rental checks to CUMA. I have not signed the document. I have sent an email and contacted CUMA regarding the additional document and I have yet to receive a reply.
Optimum Outcomes called me on XXXX/XXXX/XXXX for the second time about the same visit. The first call was on XXXX/XXXX/XXXX for a hospital visit on XXXX/XXXX/XXXX that I did not receive a bill for. I paid that balance of {$94.00}. I received a call today saying that I owed {$21.00} for the same visit. I had received no written communication about this debt until today when I asked for it via email. 

I initially tried to dispute it but was told I could not. They said that the bill was entered into collections is XXXX XXXX and that the bill was reported to the credit bureaus in XXXX XXXX. I could not see this on any of my credit reports provided by annualcreditreport.com I called again to ask for this information in a written format, and they said that they would provide it. The new customer service representative told me that I could dispute it, but that it could n't be removed from my credit report unless it was paid and the creditor agreed to it. She then said that it was normal for it to not show up on my credit report because it was a basic report and that the information they reported could only be seen if you pulled a major credit report such as for an auto loan or for a mortgage. She agreed to put it in dispute for notification and then told me that if I agreed to pay, they would be able to remove it from my credit report within 30-45 days, and that they could send me a letter to dispute with the credit bureaus to speed up this process since I was meeting with a mortgage broker within a week. 

I relented because {$22.00} was n't worth it to me to cost me a potential mortgage, and I then paid, even though I still am unsure why the debt was not paid in XXXX XXXX when they told me I had paid in full for the visit. I received my letter from them asking the credit bureaus to delete the negative information, but the credit bureau dispute forms do not allow me to do so because it is not listed as any information to dispute. This leaves me under the impression that I was given false information concerning my credit report in order to get me to pay a debt that I wish to dispute and that I was not informed about until today. 

I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.
I had a Synchrony Bank card via TJMaxx and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. Synchrony bank was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many Synchrony bank accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.