WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
On XX/XX/2013, I made my final payment of {$390.00} to ACS/XXXX and closed the account. Recently, after being denied for a credit card due to having an account in the late pay status, I discovered that even though the account is closed and fully paid, ACS/XXXX is reporting to the credit agencies that I am currently 60 days past due date. I have filed disputes with the credit reporting agencies, and spoken directly on the phone with customer service with ACS/XXXX. No correction has been made. I am not disputing any late or missed payments, only that Current Pay Status should indicate that the entire loan has been paid.
I received a call from AdAstra Debt collection company regarding a payday loan I owe. I was threatened numerous times by a representative named XXXX. I asked XXXX to speak to another associate and he declined. XXXX stated he is the only XXXX I am able to speak to because he is handling the account. XXXX hung up, I called the company back hoping to speak to another associate. A representative name XXXX answered the phone and stated she was unable to assist that she would be transferring me to XXXX. I explained to XXXX that I was not comfortable speaking with XXXX and she still refused to assist me with simply taking a payment. XXXX advised me that unless I want the collection to be reported to the credit bureau then I better speak with XXXX. At this time I released the line.
His name was XXXX XXXX he said he was with Accelerated Servicing Group. He has been harassing me with phone calls for weeks both at work and on my cell. Ive asked him to stop he told me today that he will call my work every day until I pay what I owe. He then called me an XXXX. He said I was gon na get a lawsuit if I didnt pay today etc etc Very very threatening and verbally abusive.
XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
I returned my leased XXXX XXXX XXXX before the end of my lease period, on XXXX/XXXX/XXXX, received a lease termination statement from the dealer, and a subsequent end of lease liability statement from Infiniti Financial Services showing {$0.00} net liability. On XXXX/XXXX/XXXX, Infiniti Financial Services sent me a new end of lease liability statement indicating that I owe them {$430.00} property taxes. On XXXX/XXXX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX for the same {$430.00}. XXXX has also called and left messages on my home phone. I called Infiniti Financial Services on XXXX/XXXX/XXXX and was told that the tax is for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, and that I owe this tax because the license plates were not turned in and " it is the customer 's responsibility to do so ''. The rep also indicated that someone, though she could n't tell me who, submitted a " lost plate '' affidavit to the state of Connecticut in XXXX of XXXX. I left the car at the dealer, with the plates attached, on XXXX/XXXX/XXXX. I did not receive any instruction indicating that I was responsible for returning the plates, nor did I file the lost plate affidavit, since I had no idea they were lost. I am a senior XXXX XXXX and paid this {$430.00} amount on XXXX/XXXX/XXXX since I can not have this blot on my credit history, however this is ridiculous. I returned the car almost a year ago, paid everything I owed and left the car with the dealer in good faith. I am now being harrassed by a collection agency, not only for something I do n't owe, but a purported debt that was n't even billed to me until 3 days before it was turned over to this collection agency.
There is an unverified account reporting on my credit reports with TransUnion, XXXX, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as TransUnion, XXXX and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.
I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline the offer.
I am the borrower of New Penn Financial D/B/A Shellpoint Mortgage Servicing. 

I entered into a contract of sale, on XX/XX/XXXX, with the purchasers selling my co-op unit located in XXXX. After the Co-op Board approved the sale, my attorney started to contact Shellpoint, on XX/XX/XXXX, requesting for the pay-off arrangement. Shellpoint shall locate the collateral documents ( original Co-op Stock Certificate and Proprietary Lease ), and notify us, so that we could schedule a closing, at which Shellpoints will get the whole loan payment and I could transfer the title of the Co-op unit to the Purchaser. 

Normally it takes about two or three weeks for the bank to complete this step. However, despite repeated inquires made by my attorney, we did not see any efforts by or good faith in Shellpoint in processing the payoff. They simply responded they have not located the collateral documents yet again and again. They also refused to provide an Affidavit of Lost Documents after all the parties of the sale had been waiting months after months while such a simple affidavit can get the deal closed! 

On XX/XX/XXXX, my attorney, after numerous efforts, finally found out who represents Shellpoints and started to contact Shellpoints ' attorney for the pay-off arrangement. However, up to date, Shellpoint still could not provide either the collateral documents or the Affidavit of Lost Documents. 

With legal representation, Shellpoints should be fully aware of the consequence of such a serious delay. The delay of Shellpoint has not only cost me extra interest and penalty charged by Shellpoint, but also 6 months ' maintenance charge of $ XXXX/month, as well as extra legal fee and penalty charged by the Cooperative Corporation and my attorney. Besides of this, the Buyer may walk away from this deal any day. 

It will be beyond the imagination of any reasonable mind that CFPB allow a borrower be abused by a licensed commercial lender in this manner. 

It 's a nightmare!
LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. 

I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX
In regards to case XXXX Paypal has locked me out of my account. They tell me to access my account to see their response yet they conveniently locked my out of my account after you sent them my complaint. 
My husband is XXXX XXXX and your autofill put his name instead of mine. He is still allowed to discuss this issue and has my full permission as he knows all the facts and the credit card used was in his name also.. He is a licensed attorney and Paypals excuse to not discuss this further is not a solution. Paypal has my phone number, mailing address and email. Yet they still wo n't communicate and instead send unrepliable emails telling me to log in to my account to discuss this with them yet not allowing me to login to my account.
This week XXXX removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - XXXX, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also LEXIS NEXIS stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
I have 3 different collections with this company that can not verify the collections they say I owe one for XXXX another for XXXX an lastly one for XXXX I would just like them to take them off all 3 credit bureaus
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX )
I got the loan with the intention to pay it off right away but my position in my job changed abruptly and my pay decreased leaving me in a financial bind. I originally borrowed XXXX and have been paying XXXX biweekly since XX/XX/XXXX with an initial payment of XXXX and can no longer afford it. I called them to ask for assistance or if the pymt could be lowered and they refused. To date I have paid a total of XXXX. I do not want this to negatively impact me anymore than it already has. I know that I borrowed the money with the intention to pay it off quickly but I just want to be able to move on because they have already received their money back and more than the amount I borrowed.
These facts, documents, and information are submitted to refute th e American Express allegation th at I agreed to pay  XXXX   XXXX  {$40.00}.     Attached a re two  emails from  XXXX   XXXX   XXXX  that were sent to me after I ordered a tactical flashlight for {$9.00}.  One  email is an invoice and the other from a  XXXX   XXXX  advising who will do billing for the light. Please note that not  one o f these emails permits the usage of my credit card for  XXXX   XXXX   XXXX , edited by  XXXX   XXXX .     Now, whether  XXXX   XXXX   XXXX  or  XXXX   XXXX  bills as   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   or  XXXX   XXXX   XXXX , or  XXXX   XXXX ,  XXXX , it is merely an alias website for the same entity : possibly  XXXX   XXXX . In addition, this would include the  XXXX   XXXX   XXXX   XXXX  reports mentioned in the  XXXX   XXXX ,   XXXX   email, which is also included. It is possible that someone could have obtained access to the database for the flashlight, and then charged the {$40.00} to my account, following up with the bogus email.     Now, there is very little inference in the information, which I provided. It appears that the {$40.00} charge on  XXXX   XXXX ,   XXXX   stems from the purchase of the tactical flashlight, which I did purchase.     Please review the email dated  XXXX   XXXX ,   XXXX  . Said email refers to the purchase of the flashlight. Also, note that the invoice and email from  XXXX   XXXX  also references the flashlight. However, neither of these two emails contain any reference to a {$40.00} purchase of information from  XXXX   XXXX ,  XXXX   XXXX , which appears to be a sort of holding company.     It is not until  XXXX   XXXX ,   XXXX   that a  XXXX   XXXX  makes a false allegation that I purchased regular reoccurring issues of  XXXX   XXXX   XXXX   XXXX .     Now let me make this perfectly clear. I purchased a flashlight on  XXXX   XXXX ,   XXXX  . Moreover, I never purchased a  XXXX  &  XXXX   XXXX .
Good Day : I received a letter today asking if I had any complaints about your service or the way this loan has been treated. First of all - this was over 10 years ago. I did try to short sale the property. You denied taking the money. Not Green Tree but XXXX, XXXX, XXXX now yourselves are trying to do something. 

You can attempt to collect this debt all day long but KNOW that you will not receive one dime. You denied taking the money first off - you sold it at the sheriff sale for MUCH more then it was worth - over {$210000.00} - so you received money from your insurance division for the difference, then you sold it for {$190000.00} so your establishment made more money then this debt was to begin with ... so why continue to try to collect when you made too much money??? 

Funny how you banks were bailed out taking all of our hard earned money to support your rich habits. All banks make so much money it is crazy - thats all you see these days new banks everywhere. You should have never been bailed out by our government. Our government should be abolished so us Americans can live. Land of the Free - with all these banks taking advantage of every American up until 2 years ago - where loan officers could do anything in their power to rip off innocent people and continue to do so - but at least not they are regulated it still is a scary deal. 

As you can see I am XXXX - I did purchase properties but had no clue that these loans were fraudulent until after the fact!!! Title could not explain the type of loan that was in writing. Interest only loan - XXXX with a cap - but XXXX did not see the mortgage documentation or the note attached. There was a cap but they continued to raise the interest rate - EVEN when the interest rate was not raising!!! How is this right?? 

Banks continue to try to modify loans WITHOUT a loan officers license ... SCARY!!!!!! the CEOs of many banks took our money from the government and ran away. Funny how that worked. 

Anyway - YES I HAVE COMPLAINTS about how all mortgages were handled back in the day of NO LIcensure for loan officers. Steal from the poor to give to the rich!! Thats our government!!! And it continues every single day of our lives. Politicians are all crooks and continue to be - NO COMMON SENSE OUT THERE AT ALL!! 

I see people from other countries coming here to AMERICA and receiving SOCIAL SECURITY benefits and have NEVER WORKED A DAY IN OUR COUNTRY. What the flip is that all about???? They get money handed to them BUT OUR AMERICANS have to fight for their money! Hard earned money that they contributed too and can not receive. Thats our government yet again taking advantage of Americans. Hungry children in our country get no assistance again because government sends our money to everyone else but US!!! 

Thats it for now - enjoy your day!! Share this email with everyone out there that needs to know how our government really is and no one will do anything about it!! SO SAD!!!! 

-- XXXX XXXX XXXX XXXX Office XXXX Fax XXXX Direct XXXX Cell " XXXX ''
Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.
Contacted XXXX/XXXX/XXXX I did not sign contract with company, I did not sign contract with company. Please remove from credit report.
I 'm XXXX in debt with navient and my interest rate keeps increasing I ca n't afford to pay this back plus I 'm in school.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XX/XX/XXXX/XX/XX/XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:05/11/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date XXXX XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXte : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX  Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX Date:XXXX Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company XXXX XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX   Date:XX/XX/2018
I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.