WillisBack/dataset-financial-user-claim huggingface dataset:
Experian claims that the XXXX account is mine after much evidence that this is a fraudulent account. They erased it once but decided to add it back due to " new '' evidence. 
I have provided documentation to prove that it was fraudulent activity even the credit company had statements with the wrong address. It even went to the point where the company tried to sue me but did not show up to the appointed court date of XXXX XXXX, 2016. The judge recommended that this would be thrown out because the prosecutor, XXXX XXXX, was absent to the hearing. 

Also Experian provided a false document to the Attorney General about the investigation that seemed generic at best. Experian even went as far as to reference a XXXX XXXX which is on page XXXX of the document Experian Attorney General ( not sure who XXXX XXXX plays in the picture ). I am assuming that the people at Experian use a cookie cutter letter that they send out to dispute and not really take the time out to examine the matter. 

If that is the case, Experian should be punished for neglience because people lives are at stake.
Hi, Mi name is XXXX XXXX I'm a single mother of XXXX  in need of help. 
I attended XXXX XXXX College around XX/XX/2009 in XXXX Ohio which has since closed. I was attending XXXX XXXX College to obtain my GED unknowing that I would be charged student loans for the GED classes. I was made aware that I should not be charged to take my GED class however, I started receiving bills for student loans that I should not have gotten because did not still do not have my GED at this time. In addition the school has closed and I was charged {$7200.00} for 21 days in attendance from Navient. I have disputed this several time without any success. I hope your origination can help solve this matter. because this matter is preventing me for purchasing a home for my family Thank you for looking in this matter for me. XXXX XXXX
I have a loan with ( XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX  and XXXX ) and ( XXXX XXXX XXXX  XXXX XXXX ) with no successful resolution.There was definitely an error on their part. I was never 30 days late ( XX/XX/2017 )
I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.
My husband and I went bankrupt. The house was forclosed on, with a balance due us in the amount of approx {$67000.00}. They, unknown to us, were corresponding to a vacant house and mailed our check there. They they had our current phone and address. why woudl they mail it there and they had our lawyers name! WE have tried to track down the money. Chase opened a strange account in my name, depositing my money. Then are telling me its Purged??? Every person I contact, has a new story, no one can find the deposit. I attached the account number they opened the account in my name with and all limited documentation as my house burned down. I pulled the court record off the internet. Please help us. We are XXXX and XXXX. 
Kind regards, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX daughter XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX tx XXXX
When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX
I am a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.
When I realized I couldn't make payment in XX/XX/XXXX with my Lender Wells Fargo I applied for Unemployment forbearance which I later closed as I already got a job by XX/XX/XXXX and started making payments until XX/XX/XXXX but the mortgage company applied 3 months of payments to the month of XX/XX/XXXX and reported it to the Credit bureau and sent me a letter stating that I am behind 5 payments. Later I applied for a loan modification to catch up with the missed 2 months payment based on their suggestion but later closed it as my contract job ended by XX/XX/XXXX, but the application was still pending until XX/XX/XXXX due to the negligence of the specialist so I filed a complaint with the manager and asked him to close the application as I wanted to go back to unemployment forbearance but they didn't close the application even after I made several phone calls later I filed a complaint with the customers relations but they never contacted me regaridng that eventhough they created a case for my complaints. Also, the specialist was asking for documents telling me one thing but later question about my other transactions on my bank account which is not relevant to the reasons they stated for requesting the bank statement, and they were also asking for new documents every single day which only explains that they are looking for proof not to approve my application so I asked them to hold off the process until they find a resolution for my complaint but the specialist closed the case and sent a letter stating that I can apply for a short sale, but even before they did this they have sent emails through the Advertisements I have on websites asking for videos and photos of my whole house and they also contacted USICS and IRS regarding my case which I haven't given authorization for. Even before I started the application the specialist suggested a short sale and kept saying that they cant guarantee that my application will get approved. i filed a complaint several times stating that there is some kind of fraud going on but they never responded to my complaints, also they have not given any explanation on why they reported 3 months payments to one single month and claim that I am late for 5 months payment.They also didn't convey that I can still continue on the unemployment forbearance as my job was a temporary contract job when I informed them about my employment after the approval. Likewise they are misleading me in several ways and being deceptive in requesting documents and sending out people to look at my condo and such.
XX/XX/XXXX I received a notice from my XXXX account saying that DIVERSIFIED CONSULTANTS was seeking {$180.00} in collections. I have never heard of this company before, and I never received any notices about this debt until XX/XX/XXXX. this has to be either identity theft or they have me confused with someone else 's account. 
Or this may be in regards to another dispute I filed on XX/XX/XXXX regarding my identity being stolen and used to create a T.V. account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They responded by removing the negative mark on my credit score, and by removing the debt I " supposedly '' owed because it was a result of identity debt.
I had the account for over XXXX years with timely payments until I lost my job in XXXX 2014. I made my last payment as of XXXX 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in XXXX regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small XXXX {$1200.00} XXXX. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last XXXX months. They demanded I pay {$400.00} immediately and I stated I do n't start my new job until Monday XXXX and could n't make a payment until XXXX my XXXX payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called XXXX more times after my request.
I just received an email from XXXX XXXX stating that my credit score has dropped. I investigated the issue. I found a new collection account from  XXXX XXXX XXXX in the amount of {$1000.00} from the originating claimant of XXXX XXXX XXXX XXXX. According to the information provided the collect account was opened XX/XX/XXXX ; however, I check my account with XXXX XXXX bi-monthly and this email of notification of a new collection account was just received this morning at XXXX XX/XX/XXXX. 

If this account was open XX/XX/XXXX, I was denied my rights to Section 809 of the FDCPA. I have never received any written notification from XXXX XXXX XXXX.
I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
XXXX/XXXX/14 - Received a collection letter from XXXX for a charged off XXXX Credit Card. I worked out payment arrangements of {$25.00} every month for XXXX, XXXX, and XXXX of 2014. Also worked out payment settlement agreement with XXXX of {$2700.00} to be paid in XXXX of 2014 ( gave bank account information for auto drafts of the payments ). XXXX did not honor agreement and sold debt without taking an auto drafts, I called to verify with XXXX where debt went and they could not tell me. I waited to hear something from a new credit collection agency. I did not receive any letters or notifications until I finally received a summons to appear in court on XXXX at XXXX to go to court on XXXX. Unifund CCR LLC based out of Ohio was suing me for the debt that I had originally worked out a settlement agreement with XXXX for {$8100.00} which is a incorrect balance. Disputed the validity of the debit with Unifund via e-mail, in court on XXXX, and via certified letters sent to Unifund and their attorney XXXX based out of XXXX XXXX, MO. Attempted to communicate with Unifund on XXXX via telephone prior to the XXXX court date and they would not discuss the collection. On XXXX, called XXXX and tried to work out the debt however they would not agree to the previous settlement agreement and had to talk to Unifund. I sent certified letters requesting proof of ownership, a valid agreement with my signature from the original creditor XXXX XXXX XXXX Credit Card Company XXXX and an itemized explanation of how they came to the balance. XXXX certified letter was sent on XXXX to Unifund, another certified letter was sent on XXXX to XXXX sent a XXXX request to XXXX on XXXX along with discovery requested by the attorney 's office. At the hearing on XXXX, Attorney XXXX XXXX XXXX provided 2 year 's worth of copies of charges on the XXXX Card but did not provide the proof of ownership nor did they provide a valid agreement with my signature on it. I was given a quick court date after being summoned. I was not allowed to communicate with Unifund and XXXX would not discuss unless I called through a call center and stated that I was not recording the conversation nor was a 3rd party listening but stated that they would be recording the conversation. XXXX call center is using " bullying '' tactics to scare people when they ask up front if you are recording the conversation or if a XXXX party is listening before they will discuss the account with you however, they are allowed to record the conversation on their end. Poor communication on both sides from XXXX and Unifund. Unifund nor did XXXX provide the proof of ownership or my valid signature as requested by certified mail within the XXXX days as requested. I also received signed mail receipts from both Unifund and XXXX showing they received all letters referenced above. I would like to also state that this collection through Unifund nor does this original charged-off XXXX credit card appear on any of my credit reports, I checked all XXXX XXXX
I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER
In  XXXX  of    XXXX     MID-AMER ACCOU NTS CO  XXXX , MO  XXXX  (  XXXX  )  XXXX  Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, "  XXXX  '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from  XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.
on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely XXXX XXXX
Equifax believes my data to have been compromised in the recent hack. This is unacceptable.
I was solicited by Equity Prime Mortgage for a refinance on my home after doing a search on line. I finally decided to refinance but had a modification 1.5 years ago. It was clearly on my credit report. The loan officer insisted I was qualified and charged me {$500.00} for an appraisal. I ask him numerous times, are you sure I qualify I had no money to waste. He assured me I did. So I had an appraisal and then I had to have the appraiser come back for a couple of small item which cost another {$150.00}. The it was going back and forth with under writing before XXXX of their employees realized it was a federal law I could not get a refinance until a 2 year waiting period. I ask for money back because I was miss informed and got an appraisal for a loan I would have never gotten had they know the policy. I think the company need an through investigation for their practices and I would like to have my {$650.00} back that I did not have to throw away.
I sent in several written notices to Transunion, XXXX, and XXXX within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score. 

Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX. 

My credit score has plummeted. 

Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.
Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.
A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.
I have called TransUnion several times. My health insurance paid a bill that is on my report as collection. TransUnion does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.
In XX/XX/XXXX/XX/XX/XXXXI received a statement from CITI and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) CITI continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by CBNA asking why a bill was n't being paid. At that time I was shocked to hear that I owed CITI anything and requested more information and an investigation about why or how I owed any bill. After being told by a CITI representative that there were no purchases made on the account I requested that the monies be returned to me which CITI initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask CITI to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested CITI to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue CITI for the egregious error they have made on my credit record. I had no derogatory information listed from CITI on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.