WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.
In XXXX of XXXX after being contacted multiple time by American Express with offers and calls to switch my XXXX branded American Express card opened in XXXX XXXX to a XXXX card because of the upcoming end in XXXX and American Express ' agreement. Eventually, I called American Express sometime around late XXXX or early XXXX XXXX to do this change and ask some questions about account history. A friendly representative informed me that upon switching to the XXXX XXXX XXXX XXXX my account history would be retained and the card would n't affect my average age of account because it would back-date to XXXX XXXX to match my XXXX card. For the past year I thought everything was fine as my new XXXX XXXX XXXX read " XXXX since XXXX ''. However, I recently requested my credit reports from XXXX and XXXX and realized that the American Express XXXX XXXX XXXX card had reported as opening in XXXX XXXX. Realizing that American Express had made in error in my credit reporting according to the promises made by the representative, I contacted them on XXXX XXXX, XXXX to find a solution. After speaking with XXXX customer service and the credit bureau department at American Express, I was allowed to open a dispute about the error so they could investigate if I was given incorrect information so that the proper date could be reported to the bureaus. This dispute was opened with XXXX in the XXXX XXXX XXXX office ( extension # XXXX ). On XXXX XXXX, XXXX, I spoke with XXXX ( ext. # XXXX ) who said the dispute was still being worked on and that he would make note that I was hoping for an update. On XXXX XXXX, XXXX I spoke with a supervisor named XXXX who informed me that while I had been given incorrect information upon opening the card they were unwilling to fix the error. I called again on XXXX XXXX, XXXX and spoke with another supervisor XXXX ( ext. XXXX ) who after acknowledging again that the case I opened on the XXXX of XXXX had found that I was given incorrect information about the backdating of my XXXX XXXX card, was unwilling to fix the error. XXXX even asked that if I had been given proper information if I would have still opened the card in XXXX of XXXX. I promptly answered no but again he was unwilling to correct the error. I feel as if American Express performed a " Bait and Switch '' by promising me something in order to push me to open an account with them, only to renege on their promises and refuse to correct their errors.
Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.
I made a purchase in 2016 and obtained an account at checkout. No plastic card arrived in mail after 3 months. I called and a new acct was established ( now merged with this acct ) and a plastic card for the account with allegedly {$500.00} credits in exchange for my Authorized Signature was supposed to be provided. 
2 Consumer Purchases were made over a period of 4 months, with 2 Recinded ( RETURNED Products ) during the payment periods.Due to the Accounting JCP used, the Truth in Lending was violated and FCRA was violated causing DAMAGES to the 3rd Party " reporting/redisclosure/hearsay '' that XXXXXXXX/XXXX Published causing Defamation, Slander, and LOSS of CREDITS and LOSS of Assigned Benefits to this Beneficiary to Purchase New Consumer Products. JCP is now reporting " {$0.00} '' in CREDIT after CONFIRMED TRANSACTIONS OF transmission of {$1300.00} in exchange for {$180.00} in consumer product Purchase transactions. This is FRAUD. JCP Offered {$500.00}, Received {$1300.00}, and has DELIVERED only {$180.00}. JCP is operating its Consumer Accounts in violation of FDCPA, FCRA, and TIL causing me TORT.
I noticed on my XXXX report an inquiry that I did not authorize from Citibank NA., BEST Buy Dated XX/XX/2017.
Late XXXX, I sent out a letter to Experian to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Experian did not acknowledge this request.
I was shifted from our debit card/bank account for PayPal purchases to PayPal credit without my knowledge. We were since charged late fees on a {$45.00} purchase ( which should have come directly out of our debit account ) for a total of {$110.00}. We are seeking to have all charges except the purchase price refunded.
My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to BOA saying my card was " compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second BOA card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their BOA visa. There must be some internal issues with BOA! 

thank you
A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.
In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. 
Now my credit report has a collection from Keynote Consulting Inc with no contact information. 
I dispute this wrongful attempt to damage my credit.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

The company set up a website, XXXX, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Sign Cash for keys processing faster. I 'm ready clear house. And I 'm waiting for bank to check the house. They give me a dead line.XX/XX/2017. But I need them to come and check the property. I CANT LEAVE TILL I GET MY CHECK.
As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You
Many times missed which is actually mentioned on my credit report looks inaccurate and or misleading. Please be sure to deliver substantiation that the alleged account was in fact overdue so you took the important tactics to assist you to carefully examine your accusations.
Equifax The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain higher credit score.
About  XXXX   XXXX ,  XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location  on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished  XXXX  tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent   me a denial of credit stating my income was not enough to qualify. Then, about  XXXX   XXXX ,  XXXX , I received another notice in the mail from  One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to  fall due to to many inquiries, making the loan I did receive with another company on  XXXX   XXXX ,  XXXX , more expensive, due to the increased interest rate. This is not right.
It is so unfortunate in XXXX we have companies that can affect our lives because of their ability to put things on our credit without our knowledge. Good credit is required for a lot of our jobs and each and every American should have the right to know if an entity is reporting negative credit about them. Upon looking at my credit report yesterday, XXXX XXXX, I was appalled to see XXXX report that a Blakely-Witt & Assoc. had a {$430.00} item listed for XXXX XXXX XXXX XXXX. I telephoned Blakey-Witt & Assoc this morning and was told this was for rent and late fees for a rental property I resided in from XXXX XXXX - XXXX XXXX. I asked gentleman for his name but he was not willing to spell for me as I could not understand what he was saying. He was very rude. I DO NOT OWE rent as it was paid in full in XXXX XXXX when I vacated the property. If any late fees are due, NO ONE has contacted me about them. I was told by XXXX ( leasing Agent - not sure of her last name ) they would accept my {$900.00} deposit as my last month 's rent & that all was good because the property owner was selling the house. By the way, this is the only reason I had to leave ( The property owner asked if I wanted to purchase, but I was in between jobs and could not afford at that time ). She also instructed me there was no need to clean. However, because of my own self -pride, the property was left in immaculate conditions. I would like to have this removed from my credit report immediately. Credit is something I take very seriously as I am in the process of securing a Security Clearance for my job. I am asking someone to PLEASE look into this ASAP. Thanks in advance.
My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with me?
XX/XX/2009, I was forced to file Chapter XXXX bankruptcy. None of my payments were ever late. I spent my savings down making payments before I filed. I had a home equity line of credit with Chase Bank. This year as so many have done, I tired to settle with them. I know of successful settlements from XXXX-XXXX % and know of some mortgages being extinguished but they would not settle with me. The government sued them and then turned around and gave them the money and power to decide who to settle with. A fox in the hen house situation. In the meantime, my home is falling apart. My XXXX mortgage is current. Because I filed Chapter XXXX, JP Morgan Chase is not permitted to use collection activities on me. However they continue to call me and as soon as I answer, they hang up. I called the collections agent, XXXX XXXX ( XXXX ext. XXXX ) and he was very rude and snide and told me amongst other rude comments if I do n't like it to call ( hire ) a lawyer ( which I can not afford ) even when I told him that what they are doing is illegal according to the Fair Debt Collections Act. I was previously trying to settle with them in good faith because my house is falling apart and is worth nothing to them however they still illegally call and harass me about it. I am a XXXX person with stress and anxiety issues and lost a lot of income and if they wo n't settle with me, I sure do n't need them calling me all time reminding me I am imprisoned in this situation. 
When Chase approved my HELOC, they valued my house way over what the value would ever be leading me to believe if they worst did happen that I would be able to get out of it with some equity which was false. My home will never be worth what they appraised it at. They also cut off my ( and many others ) HELOC without notice with a settlement to consumers of {$35.00} which I refused. I report all of these things because Chase feels they are above the law and have been censured in courts for these types of actions yet they continue to practice them illegally. I take photos of the calls on my cell phone with their number as an incoming call and have quite of few of them to take to court if need be. They can be fined {$1000.00} for what they are doing but I wanted the government to also censure Chase for what they are doing illegally. Thank you.
Wells Fargo debt scam. They stole money from me and want me to pay overdraft fee I don't have.
I requested a refund from Discover Card. Although card activities demonstrated a refund was sent, I never received it. In addition, they reported me to the credit bureaus for not paying the monthly fee. Therefore, I would like for the report to be amended, and I would like the refund.
We applied for HAMP loan modification with Fifth 3rd Bank and the bank moved forward and sold Our home. The bank acknowledged receiving the complete losss mitigation application and supporting documents but still moved forward and did not review or offer any type of solution to help Us stay in Our of 22 years. All of the equity We invested is taken away. We hired an attorney who was suppose to be representing jUs with the foreclosure process and he basically stole Our money. The attorney has been missing in action and does n't take calls or respond to text or email messages. We later found out he has been cited by the Lawyers review board for inappropriate conduct. We are now struggling with finding another attorney and appealing a case that should have never gone this far.
My joint checking and savings account at Citibank have been ope for over 25 years. In XX/XX/2018 Citibank contacted my wife to complete a Know Your Customer requirement. She spent 2 hours on the phone answering among other things the value of my home and such degrading questions as how much money does your husband allocate to you for spending On XX/XX/2018 I tried accessing my account on like only to get a message the account was frozen. Each day since Ive spoken to Citibank and am told the account is frozen because Citibank has not had time to review the KYC questions provided by my wife. As a result of freezing the account I do not have access to nearly {$7000.00} for over a week. All my auto payments including mortgage utilities and credit cards are delinquent. My credit is now also frozen Citibank assured me back in XXXX that the matter would be resolved in 4-5 business days but there is nothing else it can do My 800+ credit score undoubtedly will be impacted because of Citibanks incompetence Does Citibank have liquidity issues? How can it feeeze my funds because its staff doesnt have the time to review a 2 hour questionnaire that had many irrelevant and degrading questions