WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT.
My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015
I submitted documents for a loan modification to Nationstar. Every XXXX months I would receive more loan modification packages to fill out. I would fill them out and submit them as requested. I was assigned a XXXX. I have never spoken to her because each time I called her at Nationstar, I was told they could not transfer calls. XX/XX/XXXX my home was bought back by the bank at an auction. I contacted Consumer Affairs, Nationstar said it would take XXXX days for them to respond. XX/XX/XXXX I received an email from Nationstar telling me my modification was denied XX/XX/XXXX. I did not receive the letter. I have called Nationstar on numerous occasions to inquire about the status of my modification. No one told me that I had been denied the loan modification. I want to keep my property and get a loan modication. What can I do to keep my home?
I haved contaced Equifax XXXX starting on XXXX XXXX 2017 to present regarding I could not pulled my credit report within my product with Equifax. I was transferred to several people within Equifax trying to resolve this matter with my Equifax Product. I pay XXXX per month for this product and appears since the breach I have not been able to get into my product to get this most out of it. No one has contacted me back regarding this matter at this time. I have removed the security freeze in which Equifax Resolution dept said that was not allowing me to pull my equifax report, but after removing the freeze I still can not get my report from Equifax. I am very tired to calling and being passed to several people that really dont understand what is going on for resolution.I was given these conformation numbers : XXXX, XXXX, XXXX, XXXX and XXXX and still no help with my Equifax product. My contact info is XXXX home or cell XXXX.
On XX/XX/XXXX, I opened a installment loan with XXXX XXXX XXXX in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from XXXX XXXX XXXX. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my card.
I was caught up in a gift card scam in XX/XX/2016. The scamming company would pay off my credit card and then I was to use their funds from paying off my credit card to purchase the gift cards. I used my Citibank Mastercard to purchase the gift cards. I received confirmation # XXXX ( XX/XX/2016 ) saying my initial balance ( {$2100.00} ) had been paid off so I purchased {$2100.00} in gift cards. I received confirmation # XXXX ( XX/XX/2016 ) for the XXXX credit card balance pay off amount ( {$10000.00} ) so I purchased and additional {$7800.00} in gift cards. I received confirmation # XXXX ( XXXX/XXXX/16 ) for the 3rd balance pay off ( {$6100.00} ) so I purchased an additional {$2000.00} in gift cards. In all cases, I did not turn over the gift cards to the scamming company until I received the confirmation from Citibank that the funds had been received. I verified with Citibank multiple time that the funds had been received. I was told by customer service rep XXXX, in the AZ office, that once I have a confirmation # and the status says credited that the funds have been received and applied to my account. At that point, I released the gift cards to the scamming company. The funds were supposed to be transferred from XXXX Bank. There were 3 separate transactions as specified above, where I received confirmation numbers about the funds being received from XXXX. Once the 3rd transaction took place, the scamming company reversed all of the payments. I was told multiple time by different Reps that once I have a confirmation number the funds were received I had nothing to worry about. Unfortunately, I took the other reps at their word so I did not capture their names. In total, I was scammed out of {$11000.00} because of the mis-information I was given by Citibank. Plus, I was also charged and additional {$54.00} in return fees. I tried to resolve this issue with multiple times with Citibank but to no avail. I would simply like to be reimbursed by Citibank for the amount I lost ( {$11000.00} ) due to the mis-information I was given by their reps.
When I signed up for the secure Capital One card it was advertised to report to all 3 credit bureaus. I have had the service close to 8 months and they only report to XXXX. I called about 3 months after I joined and the representative said sometimes it takes a while but by 6 months I should see it reporting but that still isnt happening. I love the service I am getting with Capital One, I just wish they reported to all 3 credit bureau 's like they advertised.
Thank you for considering my problem, I had XXXX credit card accounts with citi. When my wife and son XXXX I applied for a program to modify my payments on XXXX of the cards. That program closed my account but reduced my interest to 0 %. I entered into auto pay programs for both account. I kept the XXXX account open even though the interest rate was 29 % because I would occasionally need to use the available credit. I have XXXX year old boys and have had inconsistent work since the tragedy in our family. Recently citi informed me that they were closing my second account. Their reason was I had entered into a payment program with them on the other account. This outcome was never presented as a possibility when I entered into the agreement. I had approached them about entering into a similar program where I would pay off the entire principal at 0 % interest. I was told by the person assisting me that due to the way my account had been closed there was nothing that could be done other than let my account go to collection. Citi advice was then to allow my credit rating to be effected negatively in the hope that I could enter into a program to pay off a debt made up mostly of usurious interest charges. This seemed unfair. I request help. Thank you.
Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.
I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.
USBank is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the USBank billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and XXXX 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full.

Please note that my husband and I have a different USBank secured credit card with a limit of {$300.00} that is joint ownership.
On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their  accounts and remarks are still on my credit reports.
I have student loans through Navient ( formerly through XXXX XXXX ). I have consistently submitted paperwork for income based repayment before the due date. They have not responded in a timely manner ( sometimes 2-4 months after paperwork is submitted ) so I have huge late payments and fees that are added onto my loans. This last time I submitted income based repayment application, it was submitted well before the due date and I spoke with a representative to get exactly what proof would be accepted. After the previous IBRP expired, I was informed the paperwork was illegible. I finally was able to contact a representative who told me that the proof was fine, it just needed to be signed by my husband because it 's his income. Because of their poor customer service and innaccurate responses, I 'm charged late fees and have more money being added to my loans. When I graduated in 2006, my loan balance was approximately {$46000.00}. It is now nearly {$60000.00}.
X/X/2017 Attempted to login to CapitalOne website to pay my bill. They re-vamped their website and asked me to verify some additional information such as home phone, work phone, cell phone and e-mail address. I 'm ok with that. Scrolling down, they now wanted an update on my yearly income and my employment status. The following is a copy/paste directly from their login screen : We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. Total Annual Income* $ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. Employment Status I called Capital One and complained because I 'm an existing customer for over 30 years and all I wanted to do was pay my bill online. They told me this was FEDERAL LAW and I had to update this information in order to pay my bill online. I escalated to several " supervisors '', but it 's like talking to a wall reading from a script. I have no interest in a credit increase and absolutely no desire to allow them to manage my account. I manage my own account. If I had requested a credit increase or some other product, I could see that they would ask me for this type of information, however, I have not requested anything. I JUST WANT TO PAY MY BILL ONLINE WITHOUT GIVING THIS TYPE OF PERSONAL INFORMATION. THIS IS A VIOLATION OF MY PRIVACY. I have never been late with a payment and usually pay them over the minimum due. Their resolution to the problem was for me to enter inaccurate information, like {$0.00} for income and Unemployed or whatever other reason I choose. This would allow me to bypass the screen and continue on to pay my bill. This makes absolutely no sense. Would Federal Law allow you to lie about your income and employment status? This is some sort of phishing scam direct from Capital One. NONE of my other creditors have asked for this type of information when paying my bills online.
I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.