WillisBack/dataset-financial-user-claim huggingface dataset:
This is the 3rd complaint that I have made to you against Experian and now I 'm getting really upset because no one is helping me. These XXXX accounts listed on my credit file are the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for these XXXX accounts to be removed immediately. 
In XXXX V XXXX XXXX, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from Experian stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : These XXXX accounts are the result of identity theft and must be removed immediately pursuant to section 605B immediately and permanently cleared from my credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX
Someone opened up a XXXX card in my name and I am being held reliable for this. I have disputed this identity theft numerous times and the credit reporting agencys just keep updating my report. I have made phone calls ... .written letters ... etc.
TransUnion and XXXX are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and XXXX and TransUnion. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, TransUnion and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
XXXX XXXX  This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me. 
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.
I tried to order XXXX tickets through Amex 17 months ago. They told me I had to open an account and would then be given early access to the tickets, but that there was no annual fee. I called and called, waited through the cue, but wasn't able to get the tickets. No card, no statements for a year. Then, in XX/XX/XXXX or XX/XX/XXXX, I received a statement with the only charge being the {$190.00} annual fee. I mailed the payment stub back with " please close account '' written on it. The next month I received the same statement with no mention of closure. My wife called and asked them to close the account, but they told her they wouldn't talk to her because her name wasn't on the account. The third month, I again wrote " Cancel Account '' on the stub and mailed it back. A few weeks later, I received a letter from American Express saying the account was closed, but that I would have to pay any charges that came through. When the next statement came, again with only the {$190.00} annual fee, I returned it with a copy of the letter I had received saying the account had been closed. Yesterday I received a different, shorter letter saying only that because I failed to close the account within 30 days of the first annual fee being charged, I was still required to pay the annual fee of {$190.00} on a card I've never used and can't use now because they closed it without telling me I'd be paying the fee without receiving any services. To date, I have not paid the fee and would like to avoid having it go to collections. 

Please note : because I never received a card ( or if we did, we've never used it ) and because Amex doesn't provide more than the last 5 digits on their billing statement or correspondence, I can't provide you the full account number. I can only say it ends in XXXX.
Bank of America is refusing to give me any assistance. I have contact them multiple times and each time they deny any request for me to go on a payment plan of any sort. I have requested multiple time and each time the bank denies me and claims I can afford my payment even though I have gone over the information with them multiple times. I had medical bills in XX/XX/XXXX/XX/XX/XXXX that are in a personal statement on my credit report. They deny me every time even though they do not have a full copy of my credit report and they can not see my medical bills. They do not request exact information they ask you to estimate and they do n't request documentation.
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus Experian and XXXX. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on XXXX. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. XXXX   investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXXXXXX XXXX was deleted that were still in good standing. As ofXX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX   XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the Experian report went into paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.
After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.
On XXXX XXXX of XXXX there was a hard inquiry initiated by XXXX XXXX XXXX XXXX on my Transunion credit report. This WAS NOT authorized by me and I have never done business with this company or any of its affiliates. I have contacted the company on XXXX occasions to find out why this was done and have the inquiry reversed or cancelled from my credit history. No one seems to know what happened and what to do to resolve. The last contact with XXXX XXXX XXXX was XXXX on XXXX/XXXX/XXXX ( XXXXXXXXXXXX XXXX who is the Corporate Business Manager for the company and she can not confirm an account in my name nor credit search initiated ( for XXXX XXXX, XXXX XXXX XXXX. She contacted the Credit Bureau XXXX XXXX XXXX ( where XXXX XXXX XXXX resides ) and spoke with XXXX XXXX XXXX XXXX ext. XXXX ) whom called me and told me to contact Transunion and have the inquiry reversed. I told her I have already contacted Transunion and was told to file a complaint with CFPB. Why was this credit inquiry done and what can be done to prevent it from happening in the future. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXXXXXX. XXXX XXXX
I had reported a card stolen and the card was replaced. The new card had a new number. Also, I had automatic bank payments on the old card so I would never have a late payment. 

I made a charge on XXXX ( XX/XX/XXXX ) and the charge was made to my American Express card which was cancelled. The charge should have been rejected since the card was cancelled and I would have used a different card. American I called American Express They said they charged the new card because it was a an automatic purchase and they were allowed to charge the new card. I have no autoship products with XXXX. I also asked if they could transfer payments to the new card how come they did not transfer the auto pay I had set up so my card would never be charged a late fee? They said it was not the same thing. 

I have been a loyal customer with American Express ( I have a second card I use for business ) and normally pay my balance each month. When I received the new card I put in a drawer. I had received a lower rate from a different credit card company and learned if you cancel a credit card it ruins your credit card score. Therefore, I never thought anything was charged to the card. I also teach for the military so sometimes I am away for long periods of time. 

Since I was not aware of the charge and did not have access to my mail I did not realize the charge existed until I returned home. At that point I had a late payment and late fees which exceeded the charge. Plus they reported the late payment to the credit card agencies. My credit card rating is down 70 points. 

I have written to American Express and tried to resolve this and they have not had the courtesy of answering me. Plus they added additional late payments and reported me to the credit card agency again. I have paid off the card. 

I do not mind paying the bill I owe, but since they allowed a fraudulent charge to go through and I was not aware of it they should not penalize me nor should they have reported me to the credit card agency. 

My complaints are : 1. They allowed an unauthorized charge.

2. How can they say they can automatically transfer charges to the new card, but not transfer the automatic payment information? 

I would like the late fees be reimbursed and American Express fix my credit card rating. 
2.
XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''
My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.
On XX/XX/XXXX I received an email alert to my credit file regarding XXXX XXXX that is on my credit file twice that I DID NOT authorize. I want to know how did this happen when I have the extended fraud alert on my account. I should have been notify properly and the police should have been called to the location that fraud was taken place. So I took the time to update my FTC fraud complaint and I have not notify the police but will do so come morning. I am asking that Experian remove these inquiries and address off my credit file PO Box XXXX XXXX NC. Thank you.
Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.
On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

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
Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!
My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you
I have received instructions from Nationstar that I have to place a property into XXXX so that it can go to auction. We already have a purchase contract on the property and have submitted it for review of a short sale to Nationstar. How does adding time to the short sale review process by placing the property in auction benefit the consumer. It potentially could make the current buyer walk and we are then at risk of not getting any other offers. Now the seller has suffered as he has no buyer.
USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why.
I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!
I have a paid medical bill that has not been removed from my Equifax report. According to the new laws, this paid medical bill needs to be removed from my report.