WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed from my credit report.
I XXXX XXXX has sent numerous documents to Wells Fargo and the credit bureaus, proving I am the victim of identity theft. XX/XX/XXXXWells Fargo finally replied to XXXX XXXX after months and months of requests for validation of the above listed debt. We are responding to a few inaccurate assumptions made by them in their verification/ debt validation reply. 

In XX/XX/XXXX I traveled to XXXX from XXXX, did not return to the United States until XX/XX/XXXX. The E-ticket attached proves this point. We believe it is a physical impossibility for her to be in two places at the same time. 
2. Page 4 has a credit card statement ( please see attachment ) For an XXXX XXXX residing at XXXX XXXX XXXX # XXXX XXXX CA XXXX 
3. Page 5 has a credit card statement for the same individual residing at XXXX XXXX XXXX XXXX CA XXXX. 
I have never resided at either of these addresses. Please see the attached utility statement document for proof of residence during that time period. 
I find it hard to believe Wells Fargo would allow a credit customer to have two different billing addresses for the same account. 
I would also like to point out that the Police reports filed, and sent to Wells Fargo did not show either of those manufactured addresses.
On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.
I have sent a notice to AR resources via fax on XX/XX/XXXX at XXXX to fax # XXXX XXXX XXXX to validate that I do n't owe this debt. The company had 10 days from the time they received the notice to respond to me. they have not responded and they have not removed the item from my credit file. When I called them on XX/XX/XXXX, they said they have to dispute the debt with the original creditor. I have no agreement or contract with the collection agency. They refused to update their records. I have attached the document i sent them. This is hurting my credit from getting loans and paying higher insurance rates.
Credit bureau was notified about incorrect information on XXXX XXXX XXXX   credit report on XX/XX/XXXX as well as XX/XX/XXXX. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both XXXX and Transunion. These negative items with pending deletion requests still remain as of XX/XX/XXXX. Deletion requests forwarded to the credit bureaus on XX/XX/XXXX according to the collections company.
my money transfer in western union can not be process..kind help so that they can continue the transfer processing..the mtcn was XXXX and sent to XXXX XXXX XXXX
This is the second agency trying to collect on the same debt that has been submitted to FTC months ago. I called XXXX  about the account in XX/XX/2017 to be closed which it was continued to be billed until XX/XX/2017. I contact the original creditor which states they could not zero the balance because it was sold to collection agency.
FEIN SUCH AND CRANE sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over 2 yrs. I was working on a loan modification with XXXX who was the servicer meanwhile XXXX who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that XXXX had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for XXXX. Meanwhile I have letters from XXXX and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.
Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!
I received a credit monitoring notification that a new collection was added to my XXXX credit report on XX/XX/XXXX from Diviersified Consultants in the amount of {$2400.00}. It stated the account originated in XX/XX/XXXX. Upon my credit alert I have made numerous phone calls to this company regarding the matter and I have been unable to reach anyone. I did not receive any written notification regarding any debt with this company. Upon more digging on my own, I found the original creditor was a company I hadnt done business with for well over 10 years.
I am in the beginning of restructuring debt, with a debt management company. 
I have several accounts with American Express which are to be put into the payment program. However, one of the requirements of the program is to provide the full account numbers. One account with American  Express, was closed in XX/XX/2017. Although I have continued payments to this account, the refuse to send out a new card. This card would contain my full account number, which the debt management company would use to put the account into the plan. My statements, do not contain the full account number ( only last 6 of account are provided. The debt management company can not include my account in the program, unless they can meet the requirement from American Express to provide a full account number. 

I have contacted American Express and they provided a tracking number for my request XXXX, but supported the initial response, which was refusal of providing my account number and refusing to send out a new card. 

Attached is the statement from American Express, which I hope would help you in a response to my problem.
Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX
T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.
I had a collections account with Portfolio Recovery of {$1200.00}. I called them in XX/XX/XXXX and we came up with a settlement offer of {$850.00}. They said if I paid the {$850.00} by XX/XX/XXXX through their online portal, my collections with them would be settled in full. I tried to have them send me a letter stating this information and they said they would not that the conversation was on a recorded line and they would mark the debt as settled on my credit report once I paid. 

I paid the {$850.00} on XX/XX/XXXX and they still are showing that I owe {$430.00} on my credit report and the collections is still active. I have tried disputing it with XXXX and Portfolio Recovery closed the dispute with the reason being " Customer Disagrees ''. I called them and told them I need this to show settled on my credit report and they said they were going to change it and my account appears to be settled on their end. 

We are now in XX/XX/XXXX and this is still showing up as an active collection on my account. I need this collections removed from my credit report ASAP. This company has been lying to me for the past two months and basically made me pay the settlement amount we agreed upon, but are still reporting I owe them more when I do not. 

Please make them send you the recorded phone conversation so you can here them agree to the settlement of {$850.00}
This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.
Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.
I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt
I do not owe the XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Key Bank Real Estate Capital has app. {$30000.00} of my money in an escrow account on a mortgage that was paid off almost one month ago. {$5500.00} excess overage due me has been in their escrow account since XX/XX/2015 and they 've yet to refund my money. Mortgage number XXXX
TransUnion has allowed yet again, a company to reattach the same debt that was previously removed by relisting it as an open account then immediately sending it too " new collections '' after.
On XX/XX/XXXX I received a text message that my ATM card had been used to withdraw {$40.00}. I was sitting in my hairstylist 's chair with product in my hair so I was able to call immediately. Fortunately, within 15 mins I was able to wash my hair and excuse myself from the rest of the appointment to call Chase and let them know there must be some mistake. I was 30 minutes away from the ATM location listed on the charge ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I still had the ATM card in my purse with me. The representative assured me that my money ( {$40.00} ) would be returned to my account, but that the card must be closed. I asked how this could happen. This was a newly activated card and I had only used it at another Chase location ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) a few times. Again, representatives told me that thieves have ways to clone cards and copy pins. Since I was getting my money back I was relieved, but aggravated I had to get a new card. The money was returned that same day. 
Then on XX/XX/XXXX, I noticed a pending reversal on my account for the {$40.00}. Chase never notified me that they denied my claim. As of today I still dont have such notice. I spoke with XXXX XXXX from the XXXX XXXX branch and he has tried to help. However, Chase corporate will not release video tapes to review who was using my stolen information. Nor will Chase review how many other accounts this may have effected at the XXXX Chase ATM. I strongly believe I am not the only one. {$40.00} is very small, but if you take {$40.00} from multiple people this could add up quickly. Its someone who knows how the system works. They use a low amounts so it is least likely to be detected in a timely manner and not enough to warrant a police report or seizure of surveillance tapes. Since this theft occurred at the Chase locations ( I NEVER used my card anywhere else ) Chase is responsible for the money stolen. For all I know it could have been an employee at Chase or Chase simply not properly monitoring their ATMs for hacking devices.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX
On both accounts reported, XXXX is showing a mortgage loan as being " Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated.
After providing Wells Fargo with the Notice of Assessment Reduction on XX/XX/XXXX we received a letter stating that Wells Fargo was increasing the escrow amount that was extracted bi-weekly beginning XX/XX/XXXX. 

We sent XXXX other letters showing the reductions and that the XXXX XXXX insurance amount was also being reduced by XXXX / year and Wells Fargo proceeded to remove the new increased amount on XX/XX/XXXX th. 

This increase caused our account to go overdrawn and we called and attempted to correct this for XXXX weeks. We need to have the previous amount returned and the adjusted reductions applied XXXX so that we can continue with our payment agreements.
I am getting contacted about a debt for ( {$620.00} ) that was bought from Midland Funding onXX/XX/XXXX. I have disputed the debt several times with all of the credit bureaus. The debt was removed from the credit bureaus on XX/XX/XXXX and then readded XX/XX/XXXX. I have no idea why. After several calls to the company to resolve the issue nothing has changed. I have asked for a validation letter to prove that the debt is mine and I have yet to receive anything. I have contacted the company several times to try to settle ( even though I have never acknowledged the debt as being mine ) and was told that they " Midland Funding '' could not send written conformation to me advising that they would remove it from my credit reports even if the debt is paid. I am at my wits end because I am thinking if I wanted to make a payment and be done with it ( even though I do not owe the debt ) at any time I would have to make the payments again since there would be no proof that the original payment was taken.
My spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do.
In XXXX I obtained XXXX student loans ( private ) from XXXX and XXXX. The servicer at the time was XXXX which later became Navient. It was at this time that our daughter developed a XXXX XXXX. The medical bills began to soar out of control. At the poor advise of our attorney we surrendered our home and filed a chap XXXX bankruptcy that would include all of our student loans. Incuding our student loans meant that they would be paid while the chap XXXX ran it s course. We filed and the program required us to pay 57 % of all our unsecured debt which was our student loans. After approx 4 1/2 years we completed the chap XXXX. When we reviewed the court trustees documents, we found that we had paid approx {$16000.00} to Navient on a {$21000.00} loan. When we completed the program we needed to know where we stood with our loans so we could calculate our repayments options. We contacted Navient and requested an audit which they did not due. They instead dictated their terms of repayment to us. It was this time we discovered that according to Navient we owed {$21000.00} not the {$6000.00} we thought. When we threatened to contact our attorney they completed an audit. The results stated that we actually owed {$17000.00} not {$21000.00}. We kept asking why is this amount and why was n't the {$16000.00} we paid deducted. navient told us that it had been deducted, but due to Capitalization, Post Petition Interest, and the & year rule that the outcome. 

I calculated the repayment that Navient stated we should pay. The monthly is approx {$110.00} for 10 years prior to our Chap XXXX, and thats what it is for the next 5 years. At this rate we could NEVER repay this loan, NEVER! It is inconceivable that a company that uses the US Government as leverage against normal citizens, ( veterans, Which I am ) to line their pockets. We paid {$16000.00} on a {$21000.00} loan Thats 76 % of that loan, and they say its not enough. I understand that Navient is being sued by XXXX states attorney generals, and the Dept of Education 's OIG for deceptive practices, and misdirection of repayment that would benefit them. I need some real help with these guys.
I contacted First Niagara by secure message on XXXX/XXXX/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of {$25.00}, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of {$15.00} starting on XXXX/XXXX/2016. My account now has a negative balance and has still not been closed.
From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment. 
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ). 
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.
Promotion advertised to open new account. 
Went through all the steps and at then end it checked my identify and asked me to answer questions, and somehow system were not able to identify me. 
Bank system took me to another page asking me to upload XXXX form of IDs to verify identity, once that completed, I was sent a confirmation that I will hear back from the bank soon. 
After a month or so, the Bank denied opening my checking account, telling me that they ca n't verify my identity thus they ca n't open my account.
In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately. 

Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.
I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.
I had a bad experience with BOA yesterday regarding my unemployment card for the state of Kansas. The BOA supervisor ( XXXX ) was not helpful with my issue. My issue was that my card mailed out on XX/XX/XXXX and I have still not received it as of XX/XX/XXXX. XXXX wanted me to charge me {$10.00} to send via XXXX. I am not paying to expedite the card to me since I never received the card so I am now waiting another 7 - 10 days for another card to be sent USPS without tracking again. This was the 2nd call that I made to BOA on Wednesday, XX/XX/XXXX ; on the first call I was told that a supervisor would call me back. After approximately 6 hours an no return call ; I called BOA back. Every other time I called BOA I was asked to do a survey but not after I spoke to XXXX. I am also a BOA checking account member and have been for 15 years. I mentioned that during my call as well as I would go to BOA to close that account after no resolution. XXXX did not care at all!