WillisBack/dataset-financial-user-claim huggingface dataset:
ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from my credit
I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!
Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.
Upon verifying my credit reports, it appears that this company is being deceitful. They are using two different names on two different credit reports. On XXXX, they go by XXXX XXXX XXXX  and on XXXX, they go by XXXX XXXX XXXX. The billing statement that was sent to me is from XXXX XXXX XXXX. I verified that XXXX XXXX XXXX are not licensed to collect in the state of MI. Prior to determining that they were not licensed in MI, I sent them a letter requesting validation of the debt of which they state I owe. To date, I have not received a response, however the certified letter that was sent to them was received less than 30 days ago. At this point, I am requesting immediate removal of this collection account from all bureaus of which this account is being reported.
I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.
on XXXX XXXX, XXXX, I was approached by my cousin, she told me that she needed me to help her, she said she needed me to go on title for six months, after she pay the mortgage on time for six months, my name would drop off title, we had to prove that we were related, and they did what they called a quick claim, after that they started the same process that they had did with me the night before, and I asked her if this is the same thing that we did the night before, because I do not want to by your house, I just bought my house last night, she took out {$8000.00} that night, had 90 days to pay the first mortgage, was late, they were late for 47 months, did pay for 24 months and paid on 3 months because her God father pay it with his credit card, she use my name ssn # birthdate address to setup an account with the mortgage company, I could not go online to check the accounts, both my mortgage and hers were held by the same mortgage company, she called the mortgage company and had the mortgage statement sent to her house, I had to go there to get my statement, XXXX XXXX, XXXX I XXXX, had a total of XXXX XXXX, spent many months in the hospital and XXXX, while I recovering, she was in constant contact with the mortgage company, keeping them for foreclosing on the house, all the this time they were using my ssn #. All this time I am thinking everything is getting paid, because I was not receiving calls from the mortgage company, that is because she had rerouted all communication to her phone and house, XX/XX/XXXX, I was served a judgement through my nephew at my Mother 's house for {$350000.00}, that is when I first discovered that was trouble, I later found out that the judgement was served at her house, she never informed me, by the time I was served, they had already defaulted on the judgement, so I started looking into what was happening, she had done so much damage, that it was hard for me to deal with the mortgage company. I found out that she did a quick claim and sold it to me the same night, so I had to evict her, because she would not leave, made spend money on attorney, sheriff, and court cost, I ask to do a deed in lieu of forecloser, they agreed, and when they called to inspect the house she denied them access to the house, so the mortgage pulled plug on that. I was given a relationship manager, she gave me a lot of information, mainly after, I was released from deed in lieu, and why, I found out that there was a lean on the property, that was placed on the property XX/XX/XXXX, so they could not take the property back because of that, that is why she did the quick claim, to hide the lean, so she can sale me the property, I hire XXXX Attorneys, XXXX took my money, and did nothing, would not answer or return my 74 calls, and the other XXXX has not done anything. I am XXXX XXXX, I have gone to the police department, to press charges for identity theft, but her mother is the XXXX, and they called a civil case and would not investigate, I also went to the Postal Inspector, for mail theft, and changing address on my mail, still waiting to hear from them
This compliant is against Experian and XXXX XXXX  XXXX ( XXXX ) XXXX is reporting 5 accounts on my Experian account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. Experian has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX and XXXX has remove the account because XXXX didn't verify the account but Experian is claiming the account were verified. 

I feel that Experian feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
On XXXX I submitted CFPB complaint : XXXX-XXXX for the following concerns : 1. ) American Express closed my account without notice. 2. ) All Reward Points were confiscated with no notice. 3. ) The account had active billing disputes. 4. ) 1666. Correction of billing errors prohibits creditors from 4a. ) attempting to collect a debt in dispute. 4b. ) prevents a creditor from restricting or closing an account with active billing disputes.

Now in response, 1. ) American Express states my account was closed due to A. ) FICO score despite being aware changed due to identity theft and fraudulent reporting. B. ) My revolving balances, which were not out of the ordinary as my accounts had never been delinquent and paid off in full every month. In fact, they had just increased my line of credit on my personal card. Additionally, a large majority of my revolving credit balance was in dispute. Which prevents American Express from restricting, closing, trying to collect or taking adverse action for enforcing my consumer rights. C. ) A Returned payment due to complications from the identity theft I was having to correct. This returned payment would never have occurred if the American Express Agent I spoke with had not told me to allow it to go through even though there wasn't money and just to pay the correct amount from the correct account. This advice was given to me as I contacted American Express right after initiating the payment and realizing it defaulted to the wrong account. I called to cancel the payment to prevent the returned payment but was advised not to. I made the correct payment from the correct account prior to the first payment being returned to keep the account from being late or delinquent in any way. 

Taking this all into account it appears my accounts which to that point been paid in full and never delinquent were closed by American Express because the majority of my billing statement was in dispute and I was the victim of identity theft followed the instructions they provided to me, I was the victim of identity theft and followed the instructions provided by American Express customer support agents. Still American Express has yet to reply to the reasoning they closed my accounts violation 1666. Correction of billing errors took adverse action due to fraudulent information resulting from proven identity theft, closed my accounts despite having paid my cards in full every month having a XXXX revolving balance every month which was not in dispute, or why they closed my account despite following their instructions when I notified them of the error in payment account prior to the payment being returned. 

Furthermore had American Express followed 1666. Correction of billing errors and provided me notice prior to closing my accounts and confiscating my reward points, I would have been able to cash in those reward points for a statement credit drastically eliminating the remaining balance, not in dispute on my platinum card.
In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? Thank you.
Pursuant to : section 1001 ( c ) of the Internal Revenue Code ( IRC 1001 ( c ), I have contacted Caliber Home Loans, et al, to determine the gain or loss from the sale or other disposition of a term interest in property, that portion of the adjusted basis of such interest which is determined pursuant to section 1014, 1015, or 1041 ( to the extent that such adjusted basis is a portion of the entire adjusted basis of the property ), and have still not received any information. They have Bonded my note in the XXXX XXXX XXXX XXXX and have not sent me the details which I have been requesting.
XXXX XXXX XXXX has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten Experian to look at a settlement agreement and showed the the person XXXX XXXX XXXX claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling Experian that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in XXXX XXXX XXXX story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in XXXX XXXX XXXX claim and removed them on their own and have not allowed their info back on my report.
CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON MY EXPERIAN CREDIT REPORT.
My name is XXXX XXXX and I attended XXXX XXXX in XXXX WA XXXX XXXX,2009. I took classes for XXXX XXXX. Could n't even tell you who the teacher was because we did n't have a stable one. I remember even attending on a day and no teacher was there at all. They would have another teacher from another department come and check on us. Ca n't remember much of what I learned because we really were n't shown much. Well go figure we did n't have a teacher. Crazy that all that money they want but ca n't even teach you nothing. Yea I got a book and basically tried to go over it myself and I feel like my grades were n't even real. We could just get to class sign in and leave. It 's like we were really just given a grade because we showed up. After I finished class, time for my externship which I had to find a site on my own??? which I NEVER FOUND. I went back daily trying to get help finding a site and they just brushed me off ... I was then told I had to re enroll in order to refresh because I could n't find an extern site, I THEN HAD TO TAKE OUT another loan which I regret. I hate that I now have to pay back {$13000.00} for what? Not to even be working in this field. I took this route because hey 9 months did n't sound too bad for a single mom.
On XXXX XXXX at XXXX I made a cash payment for my mortgage account in the XXXX, California Branch office personally. 
On XXXX XXXX I received a letter from US Bank that my check has insufficient funds. 
they charged me {$15.00} returned item fee for my cash payment. 
I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. 
It is impossible to solve this problem with phone call or with personal presence. I need help!!!!
I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.
There are wrong issues appeared on my report,  XXXX   XXXX   XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX
I noticed a week ago via a credit alert that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. I was unaware of the account and called the company on XX/XX/XXXX requesting the account be validated because I did have first hand knowledge of the debt. I also received no notice this account was about to go into collections prior too. I was told I had to validate the account myself via XXXX XXXX XXXX XXXX XXXX because that is where the funds were deposited. the account is from XX/XX/XXXX and I am almost certain I had no account with this bank past XX/XX/XXXX. 

I am 100 % sure that this company legally has to send me some written validation regarding the debt they claim I owe. I looked up the original company who states I owe this debt ( XXXX XXXX ) and they are out of business so I have no ability to call them and validate if this account is real nor not either.
I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
Home credit should not be on my credit file ... my auto loan was taken from me right after they received my payment.. they have been threatened me for a long time saying a owed this bill.. I file for a divorce and the car actually was used my ex wife and instead of making payments she let the car get repossessed ... I have filed a police report stating that my ex wife didnt agreed to my agreement.. and that I shouldnt be responsible for her missing up my credit.
this is a multi area complaint. at first several years ago. Sullivan and Terranova, Lawyers, ( XXXX XXXX XXXX XXXX, XXXX OR XXXX, XXXX ) contacted me about a student loan that had not been sent to collections yet due to the fact that I could not pay the amount the loan company wanted me to pay. they said i was going to be sued for the amount due and that i had to either start making payments in the full amount or get sued. I at the time was making {$9.00} an hr in a XXXX job and had XXXX other student loans i was paying the minimum on. I just did n't have the money to pay {$400.00} a month. I know that they could not legally take more then 10 % of my pay for loans and told them That i would only be able to give {$150.00}. I paid that amount every month for 4 years never once getting a monthly statement letting me know my balance or my interest paid for tax reasons. I had asked multiple times via phone calls and was told that they will not give me monthly statements and that if i did n't keep paying that i would be sued. in XXXX on XXXX i I was given money from a family member to pay them off and i offered them {$15000.00} to settle the account. they accepted given that i paid with in 2 weeks. i meet their criteria. they stated that i would get a confirmation within 30 days. its now XXXX/XXXX/XXXX and I 'm still fighting for them to give me a confirmation of my settlement being paid in full. it still reflects on my credit as not being paid off. despite repeated request i have still not been given any details of who they are representing or the ability to ask that company for my payoff letter with loan account number on it. my credit still shows that i owe the money even though they accepted my settlement and payment.
Please find the above collection agency by submitting a false sale from Capital One Bank Card. 

1 ) They allege that they purchased the debt from Capital One Bank Card # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from Capital One Bank Card # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated
I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}.