WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.
On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.
I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.
On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter.
In XXXX I mailed via certified mail a letter to the XXXX credit bureaus a letter listing a total of XXXX accounts that were fraudulent, the following accounts were sent : XXXX XXXX, XXXX XXXX Bank as well as XXXX XXXX. I submitted a complete Identity Theft Packet, which included a letter itemizing the accounts that were fraudulent, a copy of the credit report circling the fraud accounts, a police report, an ID Theft Affidavit and lastly a copy of my driver 's license and social security card. XXXX deleted the accounts, however Equifax has done nothing with the information I submitted to them. I called Equifax today, XXXX XXXX, and they have done nothing with the documents initially submitted. They also refused to comply with the FCRA in regards to them placing a block within 4 days of them receiving documentation of fraud. I have spoken with various representatives and supervisors there who refused to comply with the law. I spoke with XXXX XXXX representative XXXX, XXXX XXXX representative XXXX, XXXX XXXX floor Supervisor ), and lastly XXXX XXXX Supervisor of XXXX XXXX ) all of which are in the Fraud Department. Please help as they willfully violate the law!
they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.
TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.
I am currently in the XXXX XXXX. I supposedly have a collection pending for a transaction of XXXX XXXX I never have received notification to pay this amount before going to collection. I believe it is unfair because if at any time i would have receive a notification, this would n't be in collections right now.
My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on  my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX  newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I  decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her  authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. Thank you.
I have no idea how this showed up on my credit report because I have only authorized Wells Fargo to do a hard inquiry on my credit when I was applying for an Auto Loan.
I obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.
I tried to place a security freeze with XXXX via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with Experian and they want to charge me {$100.00} to do so.
Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.
I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests.
i noticed that XXXX XXXX  is claiming that i owe {$360.00} on my credit report. There is no way my account could have been negative because i did not have overdraft. Also i was never contacted about this with the chance to dispute.
An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. 
The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. 

My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. 

I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial report.
Bank of America has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.
I recently checked my credit report and notice XXXX XXXX. I sent a letter asking for a validation letter of original contract application. I received an application that I assume is the original application, but it also seem to have falsified information that is very concerning to me. 
1. I never had an email with XXXXXXXXXXXX XXXX noted : never have all XXXX XXXX for my email ) 2. The dates they have assume I started school was from XXXX, but on the date of the application signature for me and an assume cosigner the date assumed signed was XXXX/XXXX/XXXX. That will make it XXXX months after the allege start day of classes. How could it even be possible for me or someone to sign if the date of enrollment have already started before the application date? 
3. For something that was not suppose to be electronic, why is the signature typed and printed, rather than being signed for more valid proof. 
4. It clearly have no signature of Authorized school official or date. 

This XXXX XXXX have effected me greatly, they have sent my to the credit bureau and also sold to Navient and XXXX.
[ Case number : XXXX ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since XXXX, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. 

XXXX XXXX ( recently legally changed my name from XXXX XXXX )
XXXX XXXX XXXX ( XXXX ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 XXXX  XXXX XXXX employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( XXXX ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by XXXX XXXX XXXXXXXX, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from XXXX XXXX XXXX for my camper and it was paid on time and in full to XXXX XXXX XXXX. I have written letters, I have done everything ( XXXX ) has asked me to do still no results. It started back in XXXX, 2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
new rules permit clients in bankruptcy to receive statements since XX/XX/2018 despite several requests both via telephone and in writing i still have not received statements
Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
I had a really hard time finding a job out of college and Navient exploited the situation. They continued to say that I did n't qualify for forbearance or deferment because I used everything up while in school. They then would not allow me to enroll in income based repayment saying that my loans were n't eligible. I have over a years worth of late payments, around 75 because they reported each loan individually so I was late 11 times each month. I can not get out of my parents ' house now. Rent is too much and a bank will not loan me money for a $ XXXX house due to the late payments from Navient. They ruined my life over me not being able to find a job that would pay me enough to pay them what they wanted. On top of that, they take the minimum amount of money and apply it to my loans with the lowest interest rate. My loans with the highest interest rates barely get anything applied to them. Every year my principle balance goes up and I pay half my pay every month to them. I will never get my loans paid off at this rate.