WillisBack/dataset-financial-user-claim huggingface dataset:
I filed chapter XXXX in XX/XX/XXXX. I have XXXX loans with cco morgage and they are XXXX, XXXX, XXXX cco morgage since I filed they have not reported my payments to this date XX/XX/XXXX to the credit reporting agency 's so my credit scores are all very low. Now I want to sell my house and pay off cco morgage but because my scores are so low I ca n't find financing. Could you make them report even though I 'm in chapter XXXX?
I have been trying to get a " stringline '' mortgage done with XXXX since XX/XX/XXXX of this year. I have finally ended my relationship with them due to concerns over private information sharing and their practices are concerning.
XXXX XXXX stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on XXXX call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The first representative was very rude and harassing. I felt very worried about how I was being treated. It was the first time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
I received an email from Delta Skymiles which offered me a bonus of XXXX miles if I would sign up for their credit card with American Express. I signed up for the card in XX/XX/XXXX, and completed their requirement of charging and paying for {$1000.00} on the card. I had just used XXXX miles on another American Express card in order to purchase a round trip ticket from XXXX to XXXX on XXXX XXXX. Since Delta is now a partner with XXXX XXXX, I assumed I could do the same with these miles. 
In the meantime, XXXX contacted me again and offered that if I would recruit more credit card users they would give me even more free miles, and also would give free miles to the new users. 
Yesterday I tried to go to the website to see how I could use the XXXX miles. Unfortunately, all the urls listed by XXXX in the search were for new people signing up for the card. There was no way on those sites for a credit card holder to log in. After a few minutes I found a place to log in, with my user name and password. I have never seen this practice before, as all other credit cards and bank account web sites have a place for account holders to log in. 

When I went on to the website and tried to transfer the miles to my XXXX XXXX XXXX XXXX account, it told me I was " not eligible '' to do so. I called the contact number and the person who answered told me that it was impossible to transfer miles to another account. Very curious as my other American Express card had that feature, and Sky Miles is part of Delta, which is in turn part of XXXX XXXX and XXXX XXXX. 
Today ( after about 15 minutes searching among the " offering '' websites for SkyMiles for one that would take a log in ) I tried to find out what the XXXX miles would actually buy. Instead of having a section ( as every other card company has ) that explains what kind of flight you can obtain with a certain number of miles, this website required me to actually book a flight. The first time I tried to do so, I was informed that the flight was not available for my miles. I was not told why that was so, and I still had no information on what kind of flight I could get for the miles. When I finally downgraded and changed the booking enough so that it listed a flight, it turned out I would need twice as many miles as needed on my other American Express card, in order to book a much longer and more inconvenient flight with several layovers. 
SkyMiles is still actively advertising their card and offering " special '', and I think they should be prevented from doing so. Their miles are not usable and are worth less, than they are on other credit cards. It is very difficult to access your account information or even to find out the values and utility of the miles. 
In the meantime, I have signed up for a useless card and wasted {$1000.00} charging there when my other card would have yielded miles that were actually useable.
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.
Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.
NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. XXXX refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXXXXXX. Between XXXX and XXXX my identity was compromised and several accounts were fraudulently opened in my name. I have included the accounts below as well as attached the identity report from the Fair Trade Commission. I am requesting that Equifax immediately remove the following accounts below as they are impacting my credit negatively. 

. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX & XXXX ). XXXX XXXX XXXX
I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.
i keep getting bad debt relief info from my mortgage servicer ... .they are accusing me of having filed bankruptcy ... ... in 2012 this home was in my name and and another persons name ... he filed bk and did a quit claim deed and i did a harp loan ... my payments have always been current and it is mortgaged and deeded in my name only since 2012 ... ocwen loan servicing calls and sends me refinance option packets saying ive gone bk and threatening foreclosure..numerous calls and letters havent stopped it ... ....
I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed. 

They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX. 

On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home. 

Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her. 

On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.
A cash advance for {$6900.00} was removed from my credit card and transferred to a checking account I have no association with without my consent. I discovered this transaction on XX/XX/XXXX, within 24 hours of the transaction. I immediately called Wells Fargo to report fraudulent activity on my credit card. After speaking with various employees, I was told that an authorized user on the account made the transaction and that they were unable to stop the pending transaction. 

I am the primary account holder on this credit card. I separated all of my finances from my ex husband three years ago when we divorced. I was assured multiple times by Wells Fargo at that time that my ex husband had been removed from all of my accounts and had absolutely no access to me or my money. 

When we divorced, our debt was equally divided on mutual understanding that we would each pay our respective debts. My ex husband has failed to pay all debts since that time which has left me no option other than to pay them as my name is associated with these debts and my credit is negatively affected by non payment. I have paid over {$15000.00} of debt that my ex husband was court ordered to pay since our divorce. Additionally, I single handedly paid off this credit card ( {$8500.00} ) in the past few months. Within a month of this being paid off, my ex husband took a cash advance from this line of credit, maxing it out. 

After multiple phone calls to Wells Fargo I was able to speak with several managers who reassured me I was entitled to this money and it would be returned to me. I spoke with a supervisor who ensured me that the funds had been recovered and returned to my account, including the {$400.00} fee for the transaction, and the interest ( 25 % ) on the cash advance. The account was closed, I had a remaining balance of {$1000.00} ( the balance on the card prior to the cash advance from purchases I made that month ) with the next payment due in XX/XX/XXXX 

About 5 days after I received this information I received a call from the executive office of the credit card division stating Wells Fargo has reversed the refund, charged me the fee for the cash advance, and back dated the interest charges to XX/XX/XXXX when the transaction originated. Wells Fargo claims they have no proof that I was told years ago that my ex husband was removed from my account and that it is impossible to remove an authorized user from a credit card ; that the account would have needed to be closed at that time. This information was never communicated to me at that time and I was assured by Wells Fargo bankers that my money and accounts were safe and free from access from my ex husband.
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?
Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX XXXX XXXX
Also, Experian have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher Experian contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, XXXX, & Experian should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
I am filing this complaint because Transunion has ignored my request to provide me with documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You
I have contacted capital one several times and have gotten absolutely nowhere. Someone applied for an account in my name XXXX XXXX, 2016. On this date, I was contacted by capital one asking did I apply for an account I let them know I did not. They verified the last XXXX of my social as well as my name and date of birth. After I spoke with them I placed a fraud alert on my credit report. On XXXX XXXX, 2016 someone tried to applied for a capital one card in my name again ... this time I was never contacted even with the fraud alert on my account. I was told by XXXX my dispute was declined and I would have to contact the credit companies and get something in writing from them. For the past two days ( XXXX ), I have talked to at least XXXX reps from multiple departments in which some have been sympathetic and understanding while others have insulted my intelligence by asking XXXX questions like " Are you sure you have n't applied for a capital one account? '' As well as stating they will be transferring me to a " correspondent '' and instead staying on the line and just changing their voice. I have lost count of how many times I have provided my personal information and have been told they can not find any applications that were placed. My social is associated with m credit report ... so how is that possible? All I would like is for the hard inquiry to be taken off of my account. It amazes me how someone can so easily steal information and apply for credit cards but to correct the issue, the VICTIM is taken through XXXX and back. I just want a solution and to NEVER be associated with capital one.
I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
We were sold a Pick-a-Pay loan in 2006 by Mortgage Broker XXXX XXXX with XXXX. XXXX XXXX was bought out by Wachovia and then Wells Fargo bought both XXXX and Wachovia. My mortgage was never assigned to XXXX XXXX, Wachovia or Wells Fargo. I have put in several complaints regarding my issue but Wells Fargo denies all allegations and never supplies proof of anything. XXXX XXXX at Wells Fargo is assigned to look up the origination of my loan and they must prove that they own and was assigned my mortgage. They must also show proof the origination of my loan was not fraud but until now no proof has been supplied on Wells Fargo side. There are XXXX mortgage recorded in 2006 for XXXX different amounts. There are 3 applications : 1 ) showing my income as {$6200.00} per month ( I have this in my possession ) It was handwritten. 2 ) another showing my income as {$8000.00} ( generated by Wells Fargo ) I have this XXXX in my possession, and 3 ) regarding a so called equity line of {$35000.00} in which Wells Fargo has yet to show proof of. I have no recollection of an equity line. Nothing has been recorded for an equity line. They are trying to foreclose and can not without proving they have an original. Please see attachments.
US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits.