WillisBack/dataset-financial-user-claim huggingface dataset:
This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.
I tried to fix a issue with BBVA Compass Bank ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through XXXX and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX and BBVA COMPASS entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.
I applied for American Express Gold Delta SkyMiles card on XX/XX/XXXX. I applied under company advertise saying XXXX delta airlines bonus which was published online and also advertised in XXXX flight. I applied and was approved and received my card in 2 weeks. Card required me to use > XXXX $ in first 3 months to receive bonus miles. I actually used > XXXX in first 2 months and did not receive bonus miles. WHen I called American express company, I was told, ' We do n't guarantee bonus miles to everyone and give the bonus on the case by case basis. I applied for this card back in XX/XX/XXXX but I cancelled the card before I received it and never received the card. I had never owned gold delta card before, never used it before and have never received any bonus miles on this card. However, American express company is denying to offer me bonus miles ( XXXX, which is worth about XXXX to XXXX $ travel ). When I called and requested to talk to their supervisor, they hung up the phone on me and on calling again on waiting for 50 minutes on phone, they are not connecting my call anywhere so I can talk to anyone. I am not sure what I can do at this point.
I located a potentially fraudulent revolving account on my Experian credit report and I have no idea what it is. 

ACCOUNT DETAILS Account Name XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Balance {$5300.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$100.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving
XX/XX/XXXX, Bank of America confirmed with me a Cease and Desist Collections tag and code had been placed on my mortgage account. Since receipt of this confirmation, the Cease and Desist Collections tag and code was removed. My home loan mortgage account is now in active foreclosure with a Notice of Default and Election to Sell with California Declaration, a XXXX page document, has been recorded along with a separate document, a Substitution of Trustee on XX/XX/XXXX.
Student Loans are through Navient. In XX/XX/2018 I renewed my IDR through Student Loans.gov. In XX/XX/XXXX I called Navient and a girl couldn't locate it, so I called back and spoke to a guy who said he did locate it, but it was not processed. He said he would put a rush on it and in the mean time do a forbearance to bring account current through XX/XX/XXXX. I did that, and in XX/XX/XXXX I began getting mail, emails and phone calls about payments. I called them in XX/XX/XXXX and the girl said it was still being processed. Now we are at end of XX/XX/XXXX and I'm still getting phone calls, statements and emails that I'm behind in payments and that I should do a forbearance again. I sent them an email stating that I would not do that and that they need to do their job and process my IDR. I even check on the website and it was never processed.
My mother, my sister, and I have received multiple calls on each of our mobile phones over the last few weeks from someone at " Roquemore & Roquemore ''. A female voice then leaves a message saying I need to call them back about an urgent issue related to a file they have on my father. The voicemail they leave indicates that they believe they are leaving a voicemail for my mother ( although my sister and I receive these calls too, and are addressed in the voicemail by our mother 's name ). They use both my mother 's and father 's full names. When I spoke to my parents about this, they had no idea why we would be receiving these messages. When I looked up Roquemore and Roquemore online, they seem to be debt collectors, however, I verified with my parents that they have no outstanding debt. These calls are therefore annoying, harassing, and unjustified. Additionally, I have received calls outside of the XXXX time frame. If they are actually trying to reach my father, I do not understand how they obtained his name, yet found the contact information for XXXX of his relatives ( me, my sister, and my mother ). It feels like some form of a privacy violation.
This is not mine and they did n't give me any information about when, where, why this was filed on Transunion XXXX.
I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.
I requested in ( XXXX 2016 and XXXX 2016 ) to Equifax to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They never provided me with the information requested yet claim that the information was verified.
There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.
Byrider Financ, LLC XXXX XXXX XXXX. 
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}. 

After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be. 

They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks. 

They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car. 

Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.
Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!
I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX  XXXX XXXX.
I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close. 
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.
All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
Third party Calling me at work when I did not give them my work number because I can not receive calls at work
I have reached out to the company for over a year now in reference to this issue and have been told on numerous occasions and by different individuals that either the error would be corrected or someone would give me a call back .. neither of which has happened. 

There is an Amount of {$510.00} that has shown on my Monthly Mortgage Statement under Total Fees and Charges for over a year now. It reduces my Monthly Amount Owed by that said amount, but I have been told that it is not a Credit. If it is in fact a Fee, what is the explanation of the fee and why does it " decrease '' my Monthly Payment vs. " Increasing '' my Monthly Payment. 

Please have this item corrected, so that my Monthly Statement can reflect a correct Amount Due.
I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!
Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.
I received a solicitation for a reverse mortgage, without my permission they did a credit check which I did not authorize. 

The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX CA ran a credit check without my consent and stated I was applying for a loan which I was NOT!

This denial weakens my credit and was not authorized, I want this kind of action to stop as they prey upon senior citizens.
I submitted a qualified written request to Seterus concerning a payment dispute and incorrect payoff. The dispute letter included detailed information and proof of all payments made showing that the borrower ( my client ) is current on his mortgage account and that the payoff should be lower to reflect these payments. Seterus received the dispute by certified mail on XXXX/XXXX/15 and sent a letter acknowledging receipt on XXXX/XXXX/15. Seterus then sent an XXXX/XXXX/15 letter to my client directly ( rather than to me as his attorney ) stating that it was still in the process of reviewing the request and needed more time. To date, no other correspondence has been received and Seterus has not corrected the error on the account. Seterus continues to report the account as being delinquent ( despite the proof provided showing that it is current ), and is threatening the borrower with foreclosure. 
Seterus has failed to respond to the written request or correct the error on the account, as required by 12 CFR 1024.35 ( e ).
I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is now suffering as a result. No notice was given which is also a violation and I am requesting that ALL inquiries be removed.
I have mailed 3 separate letters requesting EXPERIAN to validate accounts listed as XXXX, XXXX, XXXX, and XXXX XXXX. With those letters sent ... I included notarization for every single letter along with copies of my identifications. I also mailed all of those via certified mail as evidence. 

However, Experian has failed to verify those items as I have not received any documentation with my signature on it. Every time I receive a generic response from Experian saying that they have already verified and that they will not reinvestigate this matter. Yet I dont have any verification as proof. 

I sent letters on the following dates to EXPERIAN : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, EXPERIAN basically responded with a Credit Report copy without any changes. I will attach the last response they sent on XX/XX/XXXX. 

I spent money multiple times on Notaries and in Certifying Mail services trying to resolve this with EXPERIAN.
I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).

I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.

I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.

XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).
My granddaughter and I have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same XXXX XXXX XXXX. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX Credit and they told me I  needed to file a complain with Experian. This is not the first time this has happened and I would like for it to stop.
Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.
I am trying to go online and view my dispute results and for like the past 2 weeks, it says page unavailable.
I have disputed an inaccurate account with XXXX, XXXX and Transunion on Two ( 2 )  different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and Transunion ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate report.