WillisBack/dataset-financial-user-claim huggingface dataset:
I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.
I have a student loan with Alaska Commission for Post Secondary Education from XX/XX/XXXX that I have been paying on. If I got behind, I always caught back up. I filed for divorce in XX/XX/XXXX ( I was a stay at home mom up until XX/XX/XXXX ) so my account became delinquent and in default. In XX/XX/XXXX I filed bankruptcy. Knowing my student loan was n't going to be discharged, I contacted ACPSE to setup a payment plan. They refused to work with me and said that I needed to pay {$1800.00} order to be considered current ( {$3800.00} total debt ). Obviously I could n't do that, I am a single mom of XXXX just reentering the workforce. There was no way I could manage to do that. In XX/XX/XXXX they turned the account over to collections. The collection company now is asking for {$5800.00}. I contacted ACPSE on XX/XX/XXXX and stated I could arrange payment in full if they would be willing to work with me. They replied with " Contact the collection agency to settle your debt ''. I would like to get this account settled and paid but I ca n't pay {$5800.00}.
A debt collector named  XXXX   XXXX   XXXX . held a credit debt under my name. I made several payments to the debt collector and made a final settlement arrangement of {$1200.00} to close to the debt. That payment was made to  XXXX   XXXX  on  XXXX .     My wife and I were contacted by a law firm called  (   XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX , on  XXXX , stating they had a property complaint regarding our address and we needed to be available to receive property complaint papers between the hours of  XXXX . I called the number at my earliest convenience to learn  XXXX   XXXX   XXXX  on behalf of Bayview Solutions LLC were trying to collect on a credit debt matching the one paid over fours years prior. Stated they would cancel summons paperwork if I paid the amount of {$2100.00}. I reluctantly paid the amount to avoid legal action or property disputes, but stated I had previously paid his debt.  XXXX   XXXX   XXXX  as well as  Bayview Solutions  stated I would be provided with a summary of charges after payment. The only statement I 've yet to receive does not show a summary.     I personally tried to trace back through several debt collection agencies where this bill might have gone wrong. The  two com panies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after  one is met. The Debt in question was received by Bayview Solutions  by  XXXX   XXXX   XXXX  on  XXXX  of   XXXX   with a balance of {$1500.00}. I 've been told by  Bayview Solutions th at they could refund my payment of {$2100.00}, however, would not close the debt in question.     I would like to know why I never received a notification of debt fro m Bayview Solution LLC, and  never heard of debt in question until be contacted on  XXXX   XXXX    XXXX  ? I would like to now why they are collecting on a debt that has already been settled upon. I would also like to know why I had to pay more than my original debt in it 's entirety, {$520.00} more than the amount passed to Bayview in  XXXX  of   XXXX  , and why I ca n't seem to get a document stating the breakdown of payment?     I will attach all records I have of all known payments regarding this account, and a copy of debt settlement and closure by  XXXX   XXXX   XXXX .
They call up to XXXX times a day usually every other hour up until XXXX which the business closes at XXXX. I work midnights and they know this, but they continue to harass me.
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX  knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company
I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not Trans Union, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Department of Nelnet has been consolidated and they still have not removed all the accounts that were closed. They have it on my report multiple times for the same account balances. Please remove all closed account. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
I received an UNSOLICITED credit card from XXXX  XXXX. There was a hard inquiry against my credit score ( XXXX ). I did NOT request this card and want all references for this hard inquiry removed from my credit history. 

At the same day I RECEIVED this card a got also got a SEPARATE letter telling me my account was suspended. In this letter it was asking for Drivers license ID. Social Security, AND Utility bill, bank statement W2 form or 1099 Form.

This seems like a SCAM. No way I would send all that information to anyone!
I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.
I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.
Loan amount is currently less than 80 % of original value and 12 months old. Lender is stating a seasoning requirement of 24 months and evidence of improvements. Photo of newly constructed deck was provided to lender. Lender has not responded to request and new monthly statement contains PMI amount.
The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again. 
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income. 




I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired. 
This is second hand stealing from the US Treasury isn't it? 
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount. 
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX  not fully capable of managing their account.
IN REGARDS TO : PORTFOLIO RECOVERY ASSOCIATES ; XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX The account your company is reporting to the credit bureau is troubling that is not mines. 
I've sent numerous letters to the furnisher disputing the account listed below, but they have verified the account as accurate with the credit bureau XXXX. 
CAN THEY actually DO THIS? VERIFY AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 
PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 
I AND MY ATTORNEY AWAIT YOUR RESPONSE. 
Im also requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was charged - off.
I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.
We have financed XXXX vehicles through American Honda Financial services AHFS ). We make monthly payment on XXXX vehicles by ACH from XXXX XXXX XXXX XXXX. In XXXX of 2016, AHFS sent through XXXX payment requests for each vehicle ( I understand this happened to many people ). They quickly sent through a correction and our bank statement indicates we made XXXX payment on each car in XXXX. In late XXXX I began receiving massages from AHFS that just asked me to call them back. I was able to finally do that on XXXX XXXX. I had no urgency as they did not tell me why they were calling and I had no reason to think there was a problem with my account. On XXXX XXXX, they informed me that I was delinquent on XXXX of my vehicles as they had not received the XXXX payment. I told them that my bank shows that I did make the payment. They asked that we send them our bank statement and proof of payment. This was faxed to them on XXXX XXXX or XXXX. I called them on the XXXX and was told they had the documents and the payment would be posted. On XXXX XXXX I received another call from AHFS saying the payment had not been posted and we are concerned they are going to send this to collection. I have asked for this issue to be escalated with AHFS and I can not find a senior person there to talk with to resolve this issue.
Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.
The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
XX/XX/XXXX at XXXX Hawaii time I have sent XXXX to a gentleman named XXXX XXXX who lives in XXXX apparently, he scammed me going on social media as _.XXXX XXXX and used a picture of a local woman. I was told that you can invest your money by turning XXXX to {$10000.00}. Due to my stupidity I did not hesitate to follow through. I second guess myself couple days later and realized that I would never see that kind of money so I cancled it. Couple days later I trusted who I assumed was the local girl so instead of {$480.00}, on XX/XX/XXXX at XXXX I sent {$470.00} to the same person XXXX XXXX and was promised that Ill receive that money before my trip to XXXX and he had called me to make sure that I would get it the next morning at any XXXX XXXX XXXX Saturday XX/XX/XXXX at XXXX I made contact with XXXX XXXX at this number XXXX ( XXXX XXXX XXXX. Promising me I would receive it. Monday morning came and I tried contacting XXXX through via text message and also called him and it went through a recording saying call rejected so I went to social media ( XXXX ) to let XXXX know whats going on ( did not know it was him who created the account ), and the account has been deactivated saying that the username was not found. On XX/XX/XXXX I found another local who was advertising the same thing XXXX XXXX did to so I trusted my gut assuming it was him so I had confronted him through a direct message and a couple seconds the page was deactivated and the username was not found which was XXXX. I made a post telling friends and family that its a scam and not to do it. I want him to be punished for his actions and I would like my {$470.00} dollars back he has nothing better to do so he scams people from all over the world and makes broken promises. I appreciate you for taking the time to read my complaint because XXXX XXXX needs to be arrested XXXX and XXXX bless
cra violation of my consumer protection act po report sent to XXXX, exp, XXXX inaccurate information must be removed
In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. ''