WillisBack/dataset-financial-user-claim huggingface dataset:
I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.
In XX/XX/2018 I took out a loan on a new vehicle with Chase and my financial situation was suddenly impacted by a significant loss of business a month later. I fell behind a couple of months due to the loss of business. My loan was only 60-70 days past due and Chase decided to repossess my vehicle. Immediately after the repossession I called Chase to inform them my financial situation had normalized and I was ready to pay the entire past due balance in full to get access to my vehicle. I also explained there was a temporary loss of business but that it had all been resolved and recovered. I was back in a financial position to resume with my loan. Chase denied me any options to renegotiate or pay the balance past due despite me having ALL the money ready so I could regain access to my vehicle. They said the vehicle would go to auction and I would be responsible for the difference. I explained to them that I rely on this vehicle for work purposes and I was back in a financial position to continue with the loan. They said the decision to sell the vehicle had been made final and there was nothing they could do. I added that I had a previous relationship with Chase on another vehicle I financed through them which I paid on time for over 2 years. They refused to acknowledge that positive history with them.
I have never opened a Home depot account. It 's fraud. Opened XX/XX/XXXX balance as of XX/XX/XXXX {$1700.00}. Just found it on my credit report I pulled and disputed thru XXXX credit reporting.. Needs to be closed/find out who it really belongs to. Have had fraud alert on account from XX/XX/XXXX when wallet was stolen with everything in it. NEVER HAVE HAD AN ACCOUNT WITH THEM.. Please take it off my credit report.
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Collector calls repeatedly through out the day even after stating to no longer call. 
In response the collector just states that they will just keep calling. 
Which in return is harassment.
Subject : Complaint against Macys of payment for account # XXXXXXXXAttachments : XXXX = XXXX PagesDear Sir/Madam, On XXXX XXXX, XXXX I 've visited Macy 's store at XXXX XXXX NY I purchased the items shown in the attached receipt page # ( XXXX ) paid all in full, while I was paying I requested the discounts announced all over the store, the cashier mentioned that the savings are available on a condition if I issued Macy 's card which was received a month later and was never used as I never went to the U.S.A again. 

Nevertheless, in XXXX XXXX I 've received a bill from XXXX requiring a fees of {$84.00} which they mentioned it is the card fees I immediately issued a check valued XXXX to cover the currency difference as shown in Page # ( XXXX ). At XXXX XXXX I returned back from traveling and founded a punch of bills from Macy 's for delayed payment with added interests which exceeded 150 % in 6 month although in page # ( XXXX ) it is clearly mentioned the annual interest is 24.5 % which is {$21.00} / {$84.00} by XXXX XXXX, XXXX ; I immediately called Macy 's who confirmed the check was issued on time but they mentioned it did n't go through because it is coming from XXXX bank which I could n't believe. 

Any way reference to a call from Macy 's payment research referred to notice payment employment # XXXX I 've reached an agreement with Macy 's to send a money order of US {$110.00} as shown page # ( XXXX ) money order # XXXX issued in US funds with a bank proof that this money dated XXXX XXXX, XXXX and a prove of payment received from Macy 's on page # ( XXXX ) and page # ( XXXX ). 
In addition to the above agreement we also agreed that any fees or interest is not my responsibility since I 've shown the good will through the last period since I 've received your bill I 've immediately sent you check but for different reason you were not able to cash the check which is not my mistake and not done on purpose ; therefore I 'm not responsible for any further fees or interest as your Macy 's card was never used by me and my accountant never had returned or rejected checks and in addition to that in XXXX XXXX I 've instructed Macy 's to cancel this card. 

I 'm astonished from the latest bill dated XXXX XXXX, XXXX of a value {$190.00} fees for what? As shown page # ( XXXX ), I 've never used your card and I 've asked to cancel it since XXXX XXXX. 

I am expecting that this issue would be ended ASAP and I should receive from Macy 's a letter that this case is finalized and I do n't owe Macy 's any money. 
Please revise the above attachment including all poof documents included in the XXXX pages and a separate attachment from XXXX of XXXX services customer protection page # XXXX, accompanied with other proves that I 've sent this payment to close the case of this bill. 

Finally, I would like to inform your stores management and company that I was shocked from the level of disqualified service of treating customers this was the worst treatment I 've received in my life which was not expected from such a big famous store. 

Thanks and best regardsXXXX XXXXCell : XXXXXXXXEmail : XXXXXXXXXXXX
The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.
I had three credit cards with Capital One going back to XX/XX/XXXX in various credit limits : {$300.00} business Visa, {$1200.00} Visa and {$2200.00} Mastercard. In XX/XX/XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XX/XX/XXXX and XX/XX/XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from VISA about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. Executive Response employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XX/XX/XXXX-only to find the fake Capital One charge off back on my credit report. The statue of limitations in Louisiana for collecting is three years. XXXX is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries,  that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for XXXX puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off XXXX was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX  ; the Capital One alleged debt appears on XXXX again along with a debt collector XXXX XXXX with fake address and phone number ). Capital One did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX VA account.
To whom it may concern, My name is XXXX XXXX Of course Bank of America can not get it right when it come to my short sale. I truly feel thing my short sale for address XXXX XXXX XXXX, mi XXXX. I have filed multiple complaints on this acct. they refuse to act or go any further on anything unless. I filed a complaint. I have submitted a 3rd party authorization 2x once to XXXX. I called they said they received it the signature was verified and everything was good. Still they would not authorize my realtor XXXX XXXX to handle the short sale. I was also told that sense he had already 3rd party it was not removed he should be ok. Then they had me send another 3rd party authorization. I called I verified they received it. They said it was ready to go and still he as not authorizations to work on my behalf to complete the short sale. If you could be so kind the owner or president of bank of America aware of all the problems and concerns I have me having with dealing with bank of America. Also of the short sale department be made aware that their company are refusing to help me
Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. 
Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. 
I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. 
The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}
I have contacted XXXX, Experian and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using credit karma, XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
We make monthly payments on both private and Federal loans for my student loans and Navient keeps mis-posting payments to the wrong accounts and making phone calls to us to " collect '' on the bills even though we are paying. They are also charging late fees and making us pay these fees on the account when we should n't have to pay them.
I retired and PurchaSE MY HOME for my Primary Retirement living. I have been living in my home as of XX/XX/XXXX. MY MORTGAGE CARRIER WAS AMERICAS SERVICING COMPANY CONTINUALLY UNTIL XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO ADRESSED AS A RECAST AGREEMENT AND THAT MY MORTGAGE WILL NO LONGER BE WITH AMERICAS SERVICING COMPANY BUT WILL BE UNDER THEM. 
A BREAKDOWN PAYMENT TABLE WAS DONE FOR FUTURE PAYMENTS. STARTING XX/XX/XXXX AND CONTINUALLY THROUGH THE TERM OF MY MORTGAGE. 
MY INCOME AFTER RETIREMENT ARE AS FOLLOWS. ON THE FIRST OF EACH MONTH MY PENSION WILL BE SENT TO MY ACCOUNT AT MY BANK AND THEY WILL FORWARD MY MORTGAGE TO THE CARRIER. EVERY THIRD WEDNESDAY OF EVERY MONTH MY SOCIAL SECURITY WILL FOLLOW. 
IN XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO THAT MY MORTGAGE WAS DUE. I CONTACT THE BANK THEY HAVE IN XXXX XXXX TO SPEAK TO A MORTGAGE MNGR OF WHICH THEY WERE NONE SO I SPOKE TO A STAFF WORKER AND GAVE HER THE DOCUMENTS OF MY PAYMENT.AT WHICH I WAS INFORMED NO STAFF COULD HELP SO THEY MADE COPIES AND SEND SUCH TO THERE RESOLUTION DEPARTMENT. 
I WAS CONTACTED AT HOME ABOUT TWO WEEKS LATER AND TOLD AFTER CHECKING MY INFORMATION THE PAYMENT WAS MADE SO DON'T WORRY. 
I NOW RELAX BECAUSE THE PAYMENT WILL BE MADE ON THE FIRST OF EACH MONTH FROM MY PENSION BY MY BANK. AFTER A FEW MONTHS I AM NOW CONTACTED BY MY BANK THAT ELECTRONIC CHECKS ARE BEEN SENT FOR PAYMENT IN THE AMOUNT OF {$740.00} FOR MY MORTGAGE. 
I INFORM THE BANK THAT THEY ARE NOW MY CARRIER BUT SHOULD NOT BE TAKING ANY PAYMENT FOR MORTGAGE OUT OF MY SOCIAL SECURITY AFTER RECEIVING THE MORTGAGE ON THE XX/XX/XXXX OF EACH MONTH ALREADY. 
IT BECOMES A NIGHT MARE WELLS FARGO HAVE NOW BEEN TAKEN MY SOCIAL SECURITY ALL OF XX/XX/XXXX AND IN XXXX AND XX/XX/XXXX. i WENT TO THE SOCIAL SECURITY OFFICE AND NOW COMPLAIN BECAUSE I RECEIVED NO PAYMENT FOR XXXX AND XXXX. THEY NOW CHECK AND MAKE A NEW ARRANGEMENT FOR ME TO BE COMPENSATED AND HELP ME TO FILE A COMPLAIN MOST OF ALL MAKE SURE I AM FULLY REFUNDED FOR MY LOSS. 
I WANT AND WILL ONLY SETTLED FOR FULL PAYMENT OF ALL MY MONEY STOLEN BY WELLS FARGO TO BE PAID BACK TO ME IN FULL. 

THANK YOU VERY MUCH FOR GIVING ME THIS TIME. 
I WILL HAVE DOCUMENT AND COPIES SENT TO YOU VERY SOON.
Applied online for XXXX card issued by Chase Bank USA, N. A. I received a letter saying they needed a government issued ID showing my physical address for proper identification. I sent a copy of my XXXX XXXX XXXX with my physical address on the front and also the back of the card showing it was a government issue card. It clearly stated government issue. I would have sent a copy of my drivers license but it had my P O box on it. I later received a letter saying my request for the card had been denied because the documentation I sent in was not sufficient. I told the rep I had a Chase card before and also had a credit rating of over XXXX. I told him just to forget it I did n't need his card and to cancel the request. He said he could n't cancel it and the application would still be open if I wished to try again later. I do n't want this on my credit record showing I was turned down for credit. I 've never been denied credit before.They can have the credit card I just do n't a blemish on my credit record. I want the application canceled and no record of me applying for the card.Thanks
There is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.
XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.
My name  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX  is reporting an account that is not mine. I have done several disputes with all  XXXX  credit bureaus and  XXXX  and   XXXX   have deleted the trade line but Equifax has not. The account number being reported is  XXXX   XXXX   XXXX  #  XXXX , opened on  XX/XX/2006   , and the balance is {$11000.00}. I have even filed a police report in the city of  XXXX  Texas and sent this to  XXXX   XXXX   XXXX  but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home.     I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report.     Regards.    XXXX   XXXX   XXXX
I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses?