WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
I had an online payday loan from speedy cash for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from speedycash.com to be given to a creditor ( XXXX XXXX XXXX XXXX , XXXX ). I could no longer contact speedycash about my account because it was sold to a creditor without my permission. My rights were violated by both speedycash.com and XXXX XXXX XXXX XXXX, XXXX.
RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX
A company called  Credence Resource Management  is incorrectly reporting a debt of {$740.00} on my credit report.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : "  XXXX  ''.     This is not the only company who is doing this. Another collection company under the name "  XXXX   XXXX  '' is also reporting the same exact {$740.00} debt on my credit with a different account number.     It seems these  XXXX  companies are trying to service an account with  XXXX   XXXX  but I do n't even use  XXXX   XXXX . Is n't it illegal for  XXXX  different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how  XXXX    XXXX   is ALSO reporting this to my credit.     This appears to be a scam effort by these  XXXX  companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers.     I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.
Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.
On XXXX XXXX I sent a debt validation letter to Wells Fargo XXXX dept in reference to years of interest accrued via cash advance. It is my belief that I did not know cash advances were being charged on my account. I requested a fraud review in which I received a letter from their fraud team along with my entire credit card history stating that the charges were valid ( " the account was authorized based off payments and transactions made to the account. ). *My credit card was closed in XXXX and charged off a few years later. * Upon receiving a recent settlement offer for {$1500.00} from Wells Fargo for monthly payments of XXXX for next 10 months, and further review of my charges from what they sent me, I called today XXXX/XXXX/XXXX to make a good faith counter offer of {$1000.00} in which I informed collection rep that due to my current financial status that I will not be able to make payments for the next 10 months of {$150.00}. I informed rep that I was gifted {$1000.00} and would like to settle with all that I had. I was told my offer would not be taken and that I had to either pay {$90.00} a month until full balance was paid ( {$2500.00} XXXX or settle with the 10 month option of paying off the {$1500.00}. 

I do not know what to do with this debt as they do not want to take what I am able to pay with today nor am I able to find extra income to pay an additional monthly bill of either the full payment or settled amount? I feel defeated. All I want is for this account to be over with. I could of been done with this TODAY.
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
OnXX/XX/XXXX, I opened a Money Market Checking Account with Citizens Bank ( Citizens Bank is a brand name of XXXX XXXX XXXX ( NMLS ID # XXXX ) and XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ). Citizens Bank corporate headquarters : XXXX XXXX XXXX XXXX RI XXXX  ) The account was opened over the phone by a rep who sold me the account while assisting me with online access to another regular checking account. I gave my routing number and account number for a savings account with XXXX XXXX   to transfer {$25000.00} to this new money market account.

On XX/XX/XXXX, I received a letter from Citizens saying that they had placed a hold on the funds for 90 business days because of some information on the check not matching. I never wrote a check! The check was generated by Citizens system and the money was withdrawn from my XXXX XXXX  account. I have attached a copy of the check that was posted to my XXXX XXXX account.

This is as good as robbery because they won't let me close the account or release the funds for 90 days! And the money has already been released from my XXXX XXXX   account.

I have called, visited their branch and have received no information on why the hold was placed and what can be done to remove it. They asked me to give the information for someone from XXXX and I gave that to them, but still no response.

This is a bank that can not seem manage a simple electronic transfer in this day and age and on top of that has terrible customer service experience in not being able to share any details on why a hold has been placed on funds ; not to mention the legality of placing a hold on the funds for 90 days!!
I have run into a deceitful issue dealing with Wells Fargo on my mortgage. Since we reached the 78 % of the LTV ( Loan-To-Value ), through normal amortization and met the requirements to remove the Private Mortgage Insurance PMI, ( No past due payments, loan aged more than 27 months ), we sent a letter to remove the PMI from our loan, but Wells Fargo said that was not possible because we still have more than $ XXXX to go. 

When we saw the Wells Fargo answer, we reviewed the loan documents and discovered that when we refinanced back in XX/XX/XXXX they used the XXXX loan amount from XX/XX/XXXX as the home appraisal which presently differs of more than $ XXXX. In the other hand, we did not received the amortization schedule of the refinance, even if we have been asking for the document since the very beginning. 

Now their letter stated that we have XXXX options : Option1 ; Send them a check with the difference to reach their 75 % and Option 2 ; Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, ( BPO ), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. 

We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?
I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.
I received a credit change alert on my credit file. I called transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as General Revenue Corp. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and General Revenue Corp needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.
I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
My husband and I entered a contract with the property management company called " The XXXX '' ( incorporated as XXXX ) located in XXXX, WA that concluded on XXXX/XXXX/XXXX. Per the terms of our contract, the XXXX XXXX had 14 days after the leased property was returned to them to refund our deposit and present a statement of any charges withheld or due at that point. This can be confirmed by Section XXXX of our lease agreement ( 'Non-refundable fee and security deposit ' ) : " An accounting and refund of the Security Deposit or invoice for additional charges, if applicable shall be made within fourteen ( 14 ) days after the Tenant has vacated the premises. '' The XXXX XXXX did provide a partial refund of our security deposit, as well as an invoice for {$100.00} withheld on XXXX/XXXX/XXXX, within the dates set by the terms of our agreement. At that point, we had every reason to believe our business with them was finished. However, on XXXX/XXXX/XXXX -- 24 days after the end of our lease term and when the property had been surrendered back to them -- we received an invoice for a previously unmentioned charge for 'janitorial services ' for {$220.00} that contained no other explanation. 

Knowing this charge violated the terms of our contract ( as well as Washington State Law XXXX XXXX : " Within fourteen days after the termination of the rental agreement and vacation of the premises, ... the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. " ), we did not send an official dispute via registered mail until XXXX/XXXX/XXXX, after the XXXX XXXX threatened to refer it to collections as a means of negatively impacting our credit rating for nonpayment. Since they are fully aware we have no responsibility to pay this debt, their threats denote a clear attempt at extortion. Thus we sent all our supporting documentation with our dispute notice, as well as a request that both the charges be dropped immediately and to not be contacted by the XXXX XXXX or their agents again. 

These requests were not honored though, and now we have received a collections notice dated XXXX/XXXX/XXXX from " Grimm Collections '' in XXXX, WA for a {$220.00} charge that the XXXX XXXX was never legally allowed to make in the first place. The only reason we have ever been given as to why no attempt to even inform us of a need for cleaning services until 24 days after the premises was vacated was because they 'overlooked ' it. This admits to negligence on their part, that when coupled with the tardiness of their claim, negates any legal right they may have otherwise had to charge such a fee regardless of whether it was valid from the start.
I have completed IRS Form XXXX ( Application for Withdrawal of Paid Federal Tax Lien ). It is a new initiative ( XXXX XXXX Program ) for people who credit score suffers from a paid Tax Lien. The IRS sends a withdrawal form to the persons County Assessor to have the Tax Lien removed.
I have sent Equifax proof of Release of Federal Tax Lien, through email. Ive also did an online dispute to have the tax lien removed from my credit report in XXXX of 2017. However, the derogatory remains on my credit report under Public Records.
Fortunately the other two credit bureaus ( XXXX & XXXX ) have removed the tax lien, according to the IRSs new XXXX XXXX Program.
I have proof that the lien has been paid, released, and withdrawn from my County Assessors Office. Therefore, Equifax, should honor the release and remove it from my credit report.
Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about TRANSUNION . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX , XXXX . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Capital One sporadically closed my credit card account with no prior communication relayed to me. Contacted customer and was told it 's in the hands of " executive correspondence '', refuse to tell me anything. I had no notice, no options whatsoever. Extraordinarily unprofessional, and I ca n't even get it reopened myself nor an explanation ( one that is n't a canned response ) as to why it was closed from anyone. Primary card # ended in XXXX, XXXX. I 've never once missed a payment, only recently had my Capital One 360 account ( s ) closed - also with no notice - and emailed XXXX.com to get an answer. Seems to have made things worse, not better.
The morning of Thursday, XX/XX/2018, I woke up to an email stating that someone has run my credit report and I now have a hard inquiry against me. I tried to contact the company, the call keeps going to voicemail. 
I do not know who the company is or what they do and I have certainly not applied for anything cars, loans, etc in the last year. I have no idea how they got any of my information .This inquiry was not given permission from me, nor can I get ahold of anyone to see who they are. 
I would like this inquiry from " ScreeningReportsInc '' to be removed.
I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX
XXXX keeps saying I requested to have my account closed which is untrue. My ex-friend XXXX XXXX XXXX sent emails and made calls to have my account closed. I never requested to have my account closed. I even sent {$5000.00} to XXXX so that I can continue to use my XXXX credit account. However I notified XXXX that I had fraud on my account and they refused to return my calls or emails to get this situation taken care of. Instead they let me ex-friend, XXXX XXXX XXXX who is a fraudulent their open a XXXX credit account. This is unfair and I think it all boils down to me being a XXXX female and my ex friend being a white male. This is suspect that you let a white male go free after he forced my account closed. Its ironic that I disputed a {$XXXX} payment and never heard from XXXX. I never received a refund and the item was returned. Its ironic that as a XXXX female XXXX doesnt give me the courtesy to have someone in management at corporate to call me. XXXX seems to have an issue with minorities. They took the {$5000.00} payment I sent and didnt apply it to my account. They didnt provide me my {$XXXX} refund and then they turn around and close my account even though I was making payments on time and even paid off my account to a zero balance.
I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with. As you questioned, yes Ive attempted to rectify the issue on my own by XXXX ) requested validation via the credit reporting agencies directly on XXXX XXXX via fax to XXXX which I called Customer Service to confirm it's accuracy and received delivery confirmation ( also attached ) ... the responses I received were verified for some, XXXX  made it a point to remove XXXX XXXX as well as XXXX XXXX as its clear this is inaccurate because they are both one in the same ( Ive also contacted them directly, havent heard anything back from either as yet ) except for Experian who is just now responding on XX/XX/XXXX ( as per their letter which is attached for your reference ) and I believe this response is only in response to my XX/XX/XXXX follow up ( sent by mail certified which was delivered XXXX XXXX ) to them not responding to my initial letter on XX/XX/XXXX ( more than 30 days ago which I thought was the amount of time they had to respond ). 
Their response ( you can find attached ) for 2 of the accounts in question, one being XXXX which I also have filed a complaint with you all under COMPLAINT # XXXX states that Ive already disputed this account and creditor confirmed it was accurate however, Im asking for VALIDATION of the debts listed not just the creditor saying its accurate. Correct me if Im wrong but this is not the same thing. Please assist. 
Thanks!
I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.