WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action.
I just received and updated credit report from XXXX and transunion. I am submitting this complaint because XXXX is still reporting XXXX XXXX/XXXX on my credit report. I received a confirmation letter from XXXX that this account was fraudulent and they are advising all 3 credit reporting agencys to remove this account off my reports. It is still reporting I am also complaining about teachers federal credit union that was deleted off my transunion credit report but is still reporting on XXXX. I have been dealing with this issue for months now as this negative information that dont belong on there is affecting my credit score. XXXX I feel does not do complete investigations because if they did they would have received the same response as transunion did to delete off my report.
Please help me with getting TransUnion to remove an illegal account from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states that a lender must hold a valid license to offer loan products in the state and any loan contracted or received, wherever made, without a license is INVALID and UNENFORCEABLE under the law. It has been validated by the FL Department of Business Regulation and the FL Attorney General that XXXX XXXX does NOT hold a license to offer loan products in Florida. 

I have disputed this tradeline with TransUnion multiple times and provided all legal information, yet they refuse to remove it. Each time I am told that they have " Validated the debt with the creditor '' which is simply not possible as I have also requested this from the creditor and was told they can not validate as the account has been sold elsewhere. When I asked for evidence of their legal ability to offer loans in FL I received the attached response which validates nothing. Just another refusal to validate. I have asked repeatedly for TransUnion to verify the legality of the account and they simply close the dispute with no investigation. This account is illegal and TransUnion continuing to report it is a violation of the Fair Credit Reporting Act. 

The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion remains the only CRA that has not removed this tradeline. They must remove it or remain in violation of the FCRA.
Equifax Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.
I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to XXXX and XXXX  And XXXX XXXX XXXX with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.
I talked with a loan originator on XXXX XXXX, 2016. She did a " Hard '' credit inquiry. The next day I spoke with a different bank and he did a " Hard '' credit inquiry. My middle credit bureau score was reported by Experian. It had dropped XXXX points overnight because of the hard inquiry. This put me in a different loan category causing me to pay more for my mortgage. The second bank told me that legislation required that if you were shopping for a mortgage with different lenders that the bureaus must report the same scores to each for 14 days. I can not find anyone at Experian who will discuss this with me.
24 inquiries on credit on XXXX that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
Loan has passed 7 year period on credit, date of 1st delinquency was XX/XX/2009 and its still showing on my credit report. I called and disputed it with credit bureaus and I was informed that it is reporting as a good debt and will not be removed. Wells Fargo has updated my credit file by changing the reporting date which may be causing account to remain on credit even longer. Status of this account was foreclosed and sold and reporting as a foreclosure this is not a good debt.
Im writing this letter with the hope you can intervene and get Wells Fargo to properly review my loan for assistance options. My issues started in XX/XX/2016, when I took a new job that at the time, felt like a huge opportunity. 

But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less. 

I contacted the bank, but the only option they gave me was to pay everything. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am in danger of losing my home.
I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
On XX/XX/2018 PayPal advised me that Id have access to my available balance of {$500.00} 72 hours after I withdrew {$250.00} in two separate withdrawals to the same bank.

It was cancelled and reversed for no apparent reason but them gaining interest on holding the funds in reserve and not instantly transferring them like the advertise on there website. So I tried to withdraw my balance again a few days later for {$430.00} and the same exact experience that was happening to me, happened again, now I filed a dispute and then they decided to close my account and tell me I have to wait 180 days and theyll let me know when I can withdraw my property of money earned by me as a small business owner, Im fed up, I want them held accountable for false business practices and scamming people.
I have contacted Experian multiple times to review my credit report after being denied credit -- which is my right. I only get denied credit when a company pulls Experian and I want to know why because to my knowledge there should not be any new collections. Up until two weeks ago I was able to view online, but it would not let me dispute debt that was not known to me. I 've written letters to Experian with dispute information, contacted the collection companies and have got absolutely no where. At the time it would no longer let me do anything online, I called the XXXX number. Unable to speak to anyone, I was able to request a copy of my credit report to be mailed to me. After receiving, I went on the Experian website to dispute information that was not mine using the confirmation number. It still would not let me. It basically says I 'm blocked. How am I supposed to do this? There 's no one to speak to, they do n't acknowledge letters and I 'm blocked from viewing my report online. It is totally unfair to hold my credit hostage. This should not be legal!
Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.
In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.
I recently went to check the balance of a gift card, and the balance was {$0.00}, with multiple purchases occurring in California ( while I live in Massachusetts ). After contacting AMEX, I was told the card was physically swiped at both locations and was told there was nothing they could do. After informing them I have n't been to California in years and I have the card in my possession, I said there must be a security flaw. They continued to push back saying there is nothing they can do, and I finally had to have them commit to escalate the issue. The person on the phone promised me I would receive a call within 48 hours, to which I asked he reconfirm that as we were on a recorded line. After reconfirming I would receive a call back within 48 hours, the call ended. Two weeks later, I have not received a call and when calling back regarding the issue, AMEX is demanding a receipt from the time of purchase ( which I do not have as it was a gift ) and has refused to commit to have someone call me back. I informed them that I was promised a call back last time, to which the response was there is no way to confirm them. I reminded the worker that we are on recorded lines and it was very easy to confirm to which I was put on hold, and now 25 minutes into the call I have not had anyone come back to the line.
XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know  plan to place a negative mark on my credit.
The loan company will only accept that we reapply for the loan or their lawyer will garnish our wages or place a lien on our house or car.
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is Wells Fargo Dealer S, the other is XXXX XXXX  the last one is XXXX XXXX
I have contacted XXXX XXXX credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from XXXX XXXX and XXXX XXXX XXXX. I was sent a notice from XXXX XXXX that the investigation was complete and the debt is mine. I have not received any detailed documents from XXXX XXXX about this debt. XXXX XXXX is fraudulently reporting this balance of {$600.00} on my credit report.
I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX
I have an item that is on my credit report that is effecting the integrity of my score and credit worthiness. The item information can be found below : I am not aware of this item or where it came from as this is a debt that I do not own. 

ONEMAIN XXXX XXXX XXXXXXXX XXXX, IN XXXX Balance : {$2900.00}
In XX/XX/2018 while attempting to pay for my plane tickets at XXXX, I was presented with a pop-up to apply for the XXXX XXXX. The offer at that time is the same offer as of XX/XX/2018, if approved I would receive XXXX miles, after XXXX in spend within the first 90 days. The rules stated that miles may take up to 8 weeks to post to your XXXX XXXX account. I've been checking my XXXX app and the miles never appeared, so I decided to call Chase Bank on XX/XX/2018, to see when they'd post? XXXX from the Chase Ohio office gave me her scripted response, that there are many offers out there at the same time, and that I received a different offer of a XXXX statement credit and XXXX K miles. 
I explained that the offer that I was presented with on the screen was the XXXX offer, that is why I applied. I wouldn't have taken a hit on my FICO score for only XXXX of miles! 

My wife, XXXX ' about 1 month later, also applied for the card and was presented with the same offer and the same thing also happened to her. The internet is full of people complaining about the same thing happening to them. 

I work for XXXX XXXX, and if a mistake is made like this it is fixed immediately. This is totally, " Bait & Switch ''!! I opened these credit cards in good faith, based on the offer that was presented to me while trying to pay for my airline tickets. 

I know for a fact that Chase can go back into the system and see which booking path was presented to me via XXXX software or something similar. 

XXXX & XXXX both from the Ohio office told me, that had I called back right away someone could've switched my marketing offer. I explained to both of them, why would I think to call back and try to change my offer, when I assumed that I was getting the offer that I was presented with? 

I didn't started wondering where my miles were at, until after the 90 days, plus 8 weeks had come & gone. 

This is very disheartening that XXXX XXXX & Chase Bank would cause detriment to their mutual customers in this way ; they deceived both me and my wife! 

I want Chase Bank to make it right and deposit the XXXX miles into both my account and my wife 's account. 

Sincerely, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX XXXX XXXX cell
Motoring my credit thr ough 3 different websites I have attempted to correct false information. When getting in touch with the credit agency they inform me that my name is linked to a closed account ( s ) and I must contact the banking department. My name has been reported and linked to 1 o r more accounts incorrectly. I am unable to resolve the problem myself and upon inquiring with the company ( DSNB Macys ) they proceed to tell me the account is so old it should fall off soon. But its reflecting badly on my credit report and I want it fixed! Also the card was paid off but reopened under my social but incorrect name. If its not my name why is it being reported as such? I also noticed that there was a incorrect address and social linked to my credit report which was fixed and removed but not the names.
On XX/XX/XXXX, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that was originally owed to XXXX XXXX and was from a debt that is substantially past the statute of limitations in my state ( from XXXX ). The amount they claim is due is {$160.00}. I never received ANY communication from them by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond. After a phone call from my husband ( I have never spoken with them in any form, and I never gave them permission to speak with my husband on my behalf, although I did hear some of the conversation, since I was in the room when he called ), they mailed me a letter ( attached ) dated XX/XX/XXXX which stated I have 30 days to dispute the debt ( a " dunning letter '' I believe ). Ironically, the dunning letter states " Your Response is Requested. '' I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. They also sent a " debt verification '' letter ( attached ) dated XX/XX/XXXX with a computer printout from XXXX XXXX from XXXX. Ironically their Dunning Letter states : " The records of XXXX XXXX show that your balance of {$160.00} is due in full. '' However, the debt verification printout from XXXX that they provided shows a XXXX balance ( attached ). When they spoke with my husband, he SPECIFICALLY asked them who owned this debt. They claimed XXXX owned the debt, and they were collecting on behalf of XXXX. Upon calling XXXX directly, I learned that they ( XXXX ) had sold the debt. XXXX would not give me the date ( which the do n't have to, but the debt collector is supposed to if asked ). Upon receiving their " Dunning Letter '' and " Verification Letter '', I also immediately noticed that the first name on the account was not my legal name, but a nickname. I highly doubt I ever opened an account using a nickname, which begs the question how it ended up on my credit reports at all. This company apparently has a reputation for bad business practices ( according to a number of sources ). I have SPOTLESS credit, and I do not avoid paying legitimate debts when they are presented. But parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. I did send them a validation of debt request letter ( attached ) which they signed for onXX/XX/XXXX. They also claim on my credit reports that the debt was reported on XX/XX/XXXX. I can prove this debt was not reported to any of the credit reporting agencies as ofXX/XX/XXXX. It started reporting on XX/XX/XXXX, the day I received the credit monitoring notice.
Earlier this year, when Navient notified me via email on XX/XX/XXXX, that my student loan payment would increase, I followed the online link to renew Income-Drive Repayment for another 12 months. I received confirmation from Navient that my IDR had been approved via email on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Navient that my monthly payment would increase to {$620.00} as of XX/XX/XXXX.

I sent an email on XX/XX/XXXX, to the Office of the Customer Advocate, posted on the Navient Web site as  XXXX, with the following email : " Dear Navient advocate : Thank you for reading this letter. 

I just received an email from Navient stating that a payment of {$620.00} -- the full amount that would be due under a non-income-based repayment plan -- is due on XX/XX/XXXX, despite my having renewed my request to Navient for an income-based repayment plan earlier this year. In fact, Navient sent me an email on XX/XX/XXXX stating that my IDR had been approved. My payments for the past year have been {$220.00} per month.

A payment of {$620.00} is nearly half what I pay for rent. I work part time as an XXXX XXXX   and am unable at this time to make payments that high.

Would you please investigate this matter and adjust the amount due? Thank you.

Regards, ( my name ) '' On XX/XX/XXXX, I received another email from Navient stating that a new loan document was available and to log in to my account. When I logged in, there was no new document. There has been no response at all to my email of XX/XX/XXXX.
When checking my credit unnoticed a collection account. I had never received any notice or phone call about this debt. My address is current because I have a mortgage and have had same phone # number for over  XXXX  years. At any rate, I did n't want to have any back and forth. I do not know anything about this debt nor do I believe it was mine. I paid this with the agreement they would delete account from credit bureaus. They have cashed check and are still sending me letters now to collect on an account that has been paid and they are saying it is n't. And i attempt to call and never get a representative. This is paid and was n't my account. This was to be deleted and has n't and now they suddenly are mailing me wanting payment.