WillisBack/dataset-financial-user-claim huggingface dataset:
Ive sent numerous letters asking the credit bureaus to verify the accuracy of several accounts, these letters was sent as dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked them to send proof of their verification ( i.e. Original Signed Documents with my signature ), as well as Accuracy as to who owns the account. Experian is reporting the account as XXXX XXXX XXXX XXXX   XXXX XXXX is reporting the same account XXXX under a different name with different amounts, payments made, terms. Therefore Experian nor XXXX truely investigated, verified, and or validate any account I disputed but stated they did. Due to there negligiance it has hurt opportunities for employment housing and credit.
Called XX/XX/XXXX to request that account be closed before annual fee posted. Agent said 'their systems were down ' so she could n't give me a confirmation, but assured me the account would be closed and there would be no annual fee charged. No surprise, the card was not closed, the fee was charged, and they are refusing to refund it saying they have no record of my call and their systems would ALWAYS magically have a record of the call even if the systems were down.
Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX
The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
I sent the XXXX XXXX XXXX a letter and they refuse to remove this debt from my credit report.
This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as " XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept., as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent, who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research, I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges, being promised calls back that are never returned, outright dishonesty, etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards, I want to file this report. I am seeking the removal of XXXX charges, as well as any interest/fees incurred.
I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.
I had one first mortgage on my house I had one second mortgage on my house Both are paid. 

I had one loan on my duplex All debt was paid before the property was taken in foreclosure Wells Fargo took the property and kept the escrow that paid off the mortgage The foreclosure balance was added back into the loan modification on my house and now been paid back ... again
My lease was up in XX/XX/XXXX. I extended my lease per attached, received the paperwork dated XX/XX/XXXX for 90 days ( 1 month at a time to be canceled at any time but not to exceed 3 months ) On XX/XX/XXXX I received the loan extension paperwork ( attached ) which was completed and returned with a payment ( attached ) on XX/XX/XXXX I received proof tha tthe vehicle was returned to XXXX XXXX on XX/XX/XXXX and paid off with subsequent lease XX/XX/XXXX ( proof attached ). 
Ally has since reported me 30 days late fro XXXX which is impossible for a few reasons. 1 ) i lawfully extended my lease and remitted payment for XX/XX/XXXX. 2 ) I returned the car prior to retaining the new lease for 30 days per attached. 3 ) I have attached the proof that Ally was paid in full XX/XX/XXXX for the car returned on XX/XX/XXXX ( still under 30 days, which I paid for anyways ). Regardless of any claim, as evidenced, none of the above happened in over a 30 day span which is proved with the attached documents.
My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment.
I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. 

I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.
Company Love, Beal, and Nixon, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment XXXX XXXX XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not find out about it until I applied for a property loan in XXXX of XXXX. Love, Beal, and Nixon is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that three companies stall and waste time by blaming the other. All three are involved. I first filed this complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX because they were the ones who finally notified me that I was being help liable for anything. I named them because your question asks who notified me of this debt. I got a lawyer in XXXX of XXXX, who won for me, Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. The court minutes awarding lawyer 's fees in the amount f {$1900.00} and signed by XXXX XXXX, is against XXXX XXXX XXXX , XXXX with XXXX attorneys named, Love, Beal, and Nixon, and XXXX, XXXX, XXXX, XXXX, & XXXX. I can not afford to pursue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgement because the cost is prohibitive. Love, Beal and Nixon won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) Love, Beal and Nixon filed a lien for {$7100.00}. I was never notified. Love, Beal, and Nixon ( or XXXX XXXX XXXX for whom they acted ) owes me {$1900.00} as awarded by XXXX County judge, XXXX XXXX. I have suffered other financial damage because of being denied a loan from my bank. I have suffered other damage because of the time and stress in tying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or from my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them.
Penn Credit Keep Calling My Residents About A Debt That I 'm Unable To Pay At This Time I Told Them That I 'm XXXX And Was Not Working And Did n't Have The Funds But They Keep Calling Me After I Told Them To Stop Calling And I Have Contacted A Law Firm But They Said They Got To Be Calling My Cell Phone For Them To Take The Case But They Are Calling My Home Phone Instead Of Cell Phone And I Want It To Stop The Name Of The Law Firm I Contacted Was XXXX XXXX XXXX They Offer {$1500.00} For Each And Every Unwanted Call You Receive To Your Cell Phone Even If You Owe Them Money This Is Harassment
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
On XX/XX/XXXX a debt validation letter was mailed to Security credit services for a debt collection from XXXX XXXX for a debt from XXXX however on my credit report they have the debt as opened in XX/XX/XXXX. They have illegally reaged my debt and have not submitted the validation requested ( contract ) of this debt which is effecting negatively on my credit report.
Hello, I have gone through this process already with a complaint filed on XXXX/XXXX/XXXX. They responded and I am STILL waiting for them to get back to me .... 

Here is original complaint. 

We fell behind 3 payments to US Bank XX/XX/XXXX shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.
I applied for credit with XXXX to purchase a XXXX XXXX cellphone I was given {$3.00} in credit to purchase the phone from TD bank. 
When the phone was sent to me through XXXXXXXX I told the XXXX worker to please return to sender I did not want the phone with in the same day of the delivery Td bank put that I owe {$710.00} for the phone I made numerous calls to XXXX to pay Td bank for the return cellphone XXXX has not responded to this date XXXX financing account number is - XXXX XXXX is trying to scam me to pay for a phone that was return I enclose receipts of return.
I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX   trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from them.
I have two mortgages with Wells Fargo. When I use their " Make a Payment '' function, I am able to pay one mortgage ( enter pay date, amount, acct from which the money is to be withdrawn ) without incident. And then when I try to make the 2nd payment, I get a " lost internet function '' message and that they can't process a payment at this time. 

This has happened several months in a row. I have no reason to believe that the loss of internet function is accurate. On two occasions, I forgot to complete my transaction later and incurred late fees as a result. I have also called their payment processing center to report this issue, but it continues nevertheless. Can someone please look into this? Thank you.
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for giant XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
I have a private student loan with ACS 9 % interest rate since 2007 I pay XXXX a month and the payments only go towards interest which I cant even afford but I cant destroy my credit at this point in my life. I was on a reduced payment plan for years paying XXXX which ballooned my loan and now I owe XXXX which is more than I even borrowed. ACS no longer allows reduced payment plans because of the ballooning issue is caused so now I have no other option besides pay the XXXX to maintain good credit and XXXX come off the principle balance. 
There needs to be a way for people to pay their loans back in an affordable fashion without it causing more financial hardship in the long run. These private student loan companies need more regulation on what can and cant be done to borrowers. re financing is very difficult for private loans because the other options available are not much better- they offer less years on the loans causing the monthly payment to only increase which is not doable. I have paid XXXX toward this loan since 2007 and none of that has come off the principle which I find to be very illegal.
This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.
I have an FHA loan with Pacific Union Financial. Before I closed on the loan I attended mandatory HUD counseling at which they told me that after my taxes are paid then I should demand a refund of the tax overpayment. I did that in XXXX and was given a refund of the overpayment in taxes on XXXX/17. Recently my taxes were again paid and I have an overage of greater than {$5000.00}. The bank is refusing to give that money back to me as per HUD guidelines and say they want to hold onto the funds until the end of the year for no reason than because it is a new loan ( which it is not ). I am requesting assistance in getting my money back from this bank. I am concerned that the funds are being misused and that is the reason why they are refusing to give me back the excess taxes I paid.
On XXXX/XXXX/XXXX, I tried to place a freeze on my account at XXXX on-line and got a message that I would have to send my SSN, DOB, name and address to XXXX to obtain a credit freeze even though I had already entered the requested information on the website. Given the breach, the company should be permitting people to immediately obtain credit freezes.
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL
Paypal is attempting to collect a debt in the amount of {$3400.00} that does not belong to me. I have called a notified them of my dispute and that I have been a victim of identity theft. To date, I have been unsuccessful in getting this issue resolved.
Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.
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, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
Wells Fargo opened XXXX+ checking & savings accounts in both my name and my companies name without my permission. They never sent me statements or provided online access to the accounts so I never knew I had them. They also were charging me $ XXXX-XXXX+ per account for not meeting the account balance thresholds. This money was removed from my other accounts without me knowing. At one point a teller told me about it and I tried to close my accounts and XXXX account even had more than {$9000.00} dollars of my money in it. Wells Fargo will not help me resolve this. I 've spent over 50 hours on the phone and in their offices trying to resolve this and they just keep giving me the run around. They have fired everyone associated with it then when I call they just transfer me back and forth and take my statement over and over then never call me back. I have a print out that shows XXXX accounts from that teller that helped me otherwise there would be no proof. Wells Fargo has stolen a lot of money from me. Please help.
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/2016 unauthorized
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.
I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I was having a hard time managing multiple checking accounts while going through my XXXX treatments, so I closed the one charging me monthly fees ( Bank of America Checking ). I closed this account from within my local branch ( the only way allowed ) and was told that it would be closed with a zero balance and all pending transactions ( including automatic payment to my credit card also with BoA ) were factored in. I was given incorrect information by the branch, and the payment to my credit card did not go through ( a tiny {$20.00} or {$40.00} amount ). Due to the bounceback from closing my checking, BoA put a restriction on the credit card payment system and did not allow me to make any payments on the account. I was not able to visit a local branch again due to being in the hospital for XXXX with my XXXX, and they listed the account as past due and closed my credit card, resulting in a 100 pt drop in my nearly perfect credit score.

In addition, when I called to attempt to resolve the issue ( a call placed while at my local branch ), I was given a trove a misinformation ( which was also given to the branch manager. They also ran my credit again without my permission when " looking into re-opening the closed account '', resulting in a hard inquiry that I did not place and further drop in my credit score.

Both of these issues have caused my credit score to drop.