WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings, I really need your help this time, please. Experian is been reporting a credit card from   XXXX   XXXX    XXXX   XXXX   XXXX   that they are reporting late and which is not true. This credit card was stolen since two and a half years ago and I called  XXXX  and they never sent me the card nor did   XXXX   XXXX   XXXX   as well sent me the card as well. So I have been without this card for almost a year and I have made payments and this card should not be in my credit profile it is fraudulent and an injustice in the part of Experian and   XXXX   XXXX   XXXX   XXXX  .
I am going to attach a screen shot for you guys to see my credit score from all  XXXX  bureaus and you will see that Experian is the only one reporting this account and also the only one with a ridiculous score of  XXXX  which is so inaccurate.
I am trying to own my first home and right now Experian is putting my life and my children 's life in jeopardy. We have enough veterans that are homeless because of reason of such from this credit bureaus, I fought for my country and right now I am  XXXX  and   XXXX   XXXX   and without a home and I do n't think that it is fair for this company to keep on reporting inaccurate information to ruin my credit file and put a barrier right now for me on owning my first home.
On XX/XX/XXXX and XX/XX/XXXX, various online accounts of mine were compromised by hacker ( s ) including Amazon.com, Amazon Store Card ( Synchrony Bank Credit Card ), PayPal.com, XXXX XXXX Checking Account, XXXX XXXX Account and XXXX XXXX Credit Card. 

All accounts save for the XXXX Credit Card Account were resolved successfully and fully to my satisfaction. XXXX 's Fraud " Detection '' Department however refuses to acknowledge my fraud claim. 

Synchrony Bank provides Amazon.com customers with a Credit Line ( Card Account ) which is directly linked to Amazon.com. On the dates listed above, unknown hacker ( s ) connected to my Amazon.com account and by siphoning approximately XXXX or XXXX transactions of approximately {$100.00} dollars from the Synchrony Account into Amazon.com Gift Cards ( electronic gift cards ), they were able to make fraudulent purchases with the Amazon.com Gift Card balances. This happened on two occasions on XX/XX/XXXX and XX/XX/XXXX. 

Amazon.com 's fraud system fully detected this fraudulent activity and quickly removed the orders from my account, however the fraudulent charges were already made to my Credit Card Account. I have tried to contact Synchrony Bank but they fail to understand how the fraudulent purchases were made and refuse to provide monetary compensation in the form of removing the fraudulent charges from my credit card. This impacts my credit score significantly and I can not and will not pay off a balance on fraudulent charges totalling in approximately {$650.00} dollars.
I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.
I did a balance transfer with Chase and I made a purchase which I paid In full before the billing statement. They charged me purchase interest fee and now they tell me that I need to pay the balance in full to avoid any future interest.if that 's the case what 's was that whole sham of 0 % apr.
On Friday, XXXX XXXX, 2017, at approximately XXXX., I received a call from my supervisor, stating that she received a call from a XXXX XXXX XXXX who was claiming to be a dispatcher from a XXXX XXXX XXXX , who was en route to serve me papers for a debt. I am off work sick, and am not at work. I found this to be odd, as payday loans do not use these tactics. I then returned the call to the phone number provided which is ( XXXX ) XXXX. 
I called this number and asked for a XXXX XXXX, which at that time, I was advised that that individual is not a representation of the company I called. I assumed at this time I was speaking to a rep from XXXX XXXX, but realized I was speaking to a rep from XXXX XXXX XXXX. I then immediately asked the person on the line what is this pertaining to? I expressed displeasure that this is the second time in about 2+ years that I received these types of calls. The caller ( who I never identified ), asked for my social, which I confirmed the last four. He then proceeded to tell me there is a legal case and that any information would be provided at discovery. I immediately stated that I do not wish for him or any of his representatives to contact my employer for any reason. I stated that I would have my attorney contact them as well with this request. The male caller, and I had a semi-heated discussion. He felt that I was rude and threatened to hang up and not help me. I may have become upset during the conversation, because the tactics of threatening to serve someone with papers is not only extreme, but not a practice Ohio uses in this manner. He also then stated that since I would need a lawyer, they can contact him. I stated I will handle my own affairs, and if I need representation then I would get it at that time. After repeatedly stating that I had no issue paying the debt with proof, and getting no where with the caller. He stated that I am a " Quality Debtor or " Experienced Debtor '', or some reference similar and hung up. I then called back wanting to speak to a supervisor, and got the same male on the phone. I then advised him, that I called, but since a person was hiding behind the phone, I could not get anywhere, I am calling back. He then stated " hiding behind the phone? '' and hung up again. I then called ACE Cash Express, and a spoke to XXXX at approximately XXXX XXXX., and advised her briefly of the incident. She did mention that my debt was sold to XXXX XXXX XXXX ( Account # XXXX for {$720.00} ), I had this similar experience about 2 years ago, where I received threatening calls from a " law office '', and upon dialing the number given, it linked back to XXXX XXXX XXXX. It appeared that they are one company representing themselves as attorneys instead of the collection associates they are. I have asked them repeatedly to not contact my employer, and if I had or was given and address or email, would request in writing. Also, while speaking to XXXX from ACE Cash Express, she stated that their company does not practice, or condone practices of legal or lawsuit threats, or any aggressive collection actions.
EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.
Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.
On XX/XX/2018, a fraudulent activity occurred in my PayPal account, where money got sent from my account to some XXXX XXXX in the amount {$1100.00}. 
I called PayPal about this transaction, and they recognized that this was a fraudulent activity. The amount has not been refunded, and after following up with Customer Service was informed that Paypal can not do more to get my back, because the merchant has refused to refund. I have sent two emails to XXXX XXXX ( CEO of Paypal0, but no response from him. 

I need help here, because PayPal is unwilling to rectify a fraud that occurred on their site. 

Thank you, XXXX XXXX
In XX/XX/XXXX I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to XXXX XXXX. XX/XX/XXXX, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. 

I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.
I opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.
XXXX XXXX has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
I was a victim of Transunion inquiries issue and their customer service wont want to help me to remove them. 

1- XXXX XXXX - inquiry from XX/XX/XXXX 2- XXXX/XXXX - inquiry from XX/XX/XXXX 3- XXXX/XXXX - inquary from XX/XX/XXXX 4- XXXX/XXXX - inquiry from XX/XX/XXXX 5- XXXX/XXXX - inquiry from XX/XX/XXXX 6- XXXX/XXXX - inquiry from XX/XX/XXXX 7XXXX XXXX - inquiry from XX/XX/XXXX XX/XX/XXXX
I sent letters to XXXX, XXXX, and transunion about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.
I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail. 

In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made. 
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine. 
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
There was a data breach at Equifax credit reporting bureau and they have notified me that my personal information was compromised. 
They learned of the data breach in XXXX XXXX, however they took over a month to notify the public. 

I do not feel Equifax has taken the necessary steps to prevent this data breach or to remedy the harmful effects to consumers.
I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
THIS IS NOT A DUPLICATE Equifax removed an item the same time as XXXX  from XXXX XXXX  XXXX and its back on my credit when it should have never been there. I was in bankruptcy chapter XXXX when these charges were incurred and the rental company XXXX is still trying to charge me for this rental.
I currently have private student loans through Navient, originally Sallie Mae. I've been on the Rate Reduction Plan for 2 years, re qualifying every 6 months. My payments were on autopay and I've never missed a payment. My 6th month will end after my XX/XX/XXXX payment and I recently got an email saying that it was ending after XX/XX/XXXX and I needed to call in to make plans. I called XX/XX/2018 to renew the rate reduction plan and was told that I've exhausted the plan and I'm only allowed to be on it for two years. This was the first I've heard of this and there is no documentation, that I can find, stating this. I explained that there was no way I could make that payment and asked if there was anything else I could do to help lower my payments. I said that I would have to file bankruptcy. The supervisor said that if I needed to file bankruptcy than that what I need to do. She also said that they've worked with me for the two years and there are no other options to help lower my payments. They refused to work with me and suggested I refinance through a bank.
In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone. 
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized. 
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.
My loan is serviced by XXXX but the owner of the note is US Bank, N.A. as trustee for XXXX XXXX XXXX XXXX. All along, XXXX states to me to send in a modification package then 5 days later they say sorry the owner of the loan does not participate in loan modifications at all. Im so sorry I know I am XXXX and do not speak english good but there is laws in California regarding they need to review my financial situation and give me options to foreclosure, they say to me pay off the loan, that is your option. XXXX is stationed in XXXX and owner of the loan does not participate in modification, so theses people are allowed to not comply with California laws. This is unfair that the owner of the note hire XXXX ( a complany in XXXX ) to tll us Californians sorry you and your family are going to be homeless. I want to pay my mortgage I have ability to pay, please help me to stop the owner of the note from hiding behind XXXX and not complying with Ca laws.
I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call Blitts and Gaines and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX
With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.
Citi Bank has garnished my commercial escrow account without notifying me. Checks have been written and electronic payments authorized have bounced and no letter or notification have been sent to me after one week of constant inquiry with Citi Bank.
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX X/X/2013 {$1300.00} 2. XXXX XXXX XXXX X/X/2013 {$1900.00}
XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.
I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.