WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed several requests to have information on my report ( as outlined in the attachment below ) blocked from my report under FCRA 605b due to identity theft. To date all Experian has done is send a form letter each time telling me that my identity theft block request is not valid because I have failed to provide the required information and gives a list of information I should send. I have sent all information on the list provided each time I request Experian to place the block. Why is my block request not being completed? 
I am not asking Experian to open a new investigation of these identity theft accounts, I am asking them to block accounts within XXXX business days as per the FCRA. 
Attached file contains my report to Experian specifiying which accounts to block, all my identifying information ( full name, list of addresses for past two years, social security number, date of birth ), a copy of my valid identification, a copy of XXXX utility bills in my name listing my home address dated within 30 days, a copy of the police report I filed in regards to the identity theft, a copy of my completed FTC ID theft Affidavit including law enforcement information. I have provided everything on your list. Please do your part and block the accounts.
I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.
I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.
I have sent {$360.00} to a PayPal user : XXXX which now has this email on PayPal : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me. 

I need from PayPal to reverse the transaction : XXXX back ( which is on my PayPal account ) and get my full refund of {$360.00} since I didn't get what I paid for and this person which I sent my money doesn't refund me. I want an escalation : https : //www.paypal.com/resolutioncenter/escalate/7GK887276F337733F/PP-005-013-132-474 in order to get a refund Best regards, XXXX XXXX
I took a lease through XXXX XXXX XXXX. Account # : XXXX. The lease was paid in full, and the vehicle was returned. I leased another vehicle through XXXX immediately. I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another XXXX. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to XXXX immediately. I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX XXXX sent the fax another two times, and I called XXXX to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc 'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX. They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to XXXX XXXX XXXX, XXXX, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account. I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed ( this was erroneously charged, and should never have been put on my account int he first pace ). XXXX XXXX XXXX reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100 points. I request that XXXX XXXX XXXX contact the credit reporting agencies to state that it was reported in error. There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges. Everyone at XXXX XXXX XXXX has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from XXXX.
I purchased an appliance named XXXX dehumidifier from Sears.com. The product is listed under the XXXX manufacturer warranty for the defective product and the part that failed. The purchase date states XXXX/XXXX/XXXX sales ticket XXXX ( sears ). The problem with this purchase is that I purchased a XXXX BRAND it also has a XXXX Booklet. I called XXXX and they are willing to replace the product or swap it out. problem encountered was that the serial number listed on the SEARS.COM item that I am paying on my sears credit card with a payment of XXXX.per month is not a legitimate SN. sears is denying this and not allowing the return or credit to my card and blaming a third party called XXXX XXXX ', XXXX said to contact Sears and XXXX about the return since XXXX XXXX the third party seller with only a XXXX product initial warranty..The XXXX part though is still under warrany thru XXXX XXXX XXXX. XXXX needs verification of the original SN for return purpose and credit. This product has a UPC number of XXXX ( stated by XXXX, The model number on my dehumifier is XXXX, SN # XXXX. XXXX states that is not a valid SN, otherwise they would swap, credit or repair. sears claims they are not responsible as I object, due to the fact I purchased this thru SEARS and it stated XXXX on the product. There is not any stipulation anywhere in the booklet stating the product 's SN has been altered therefore I assumed it was a legit purchase. even refurbished products contain the SN to replicate the original for product identification as automobiles do. I am out a XXXX dehumidifier. I purchased it for my health needs. I want this warranty held up as SEARS should be standing behind XXXX products sold using the sears credit card. I want this illegal and unscrupulous act rectified so I can use a dehumidifier. 
My frigidare ticket and complaint verification was lodged within their company telephone number XXXX ticket # XXXX they stand by their product and warranty. 
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/citibank
Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.
We have reached out to our mortgage for help only to be lied to and denied help. We are eligible for a loan modification and are still being denied. We also are eligible for a forebearance or repayment plan which we are also being denied.
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.
I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.
I enrolled in SantanderConsumerUSA 's Auto Bill Pay. They did not enroll me because I requested to have them draft more than the amount due monthly. As a result, I was charged a $ XXXX monthly late fee. Additionally, the customer service agent was unable to assist, take a payment by phone without charging a fee, and was slightly more helpful than a robot. Santander has had the wrong date of birth on my account and more than twice has failed to enlist me in the auto bill pay which has forced me to pay late fees and have a 30 day mark at least once on my credit report due to my inability to log in online.
I have asked this company several times on a recorded line to stop calling me. the company ignores my request and continues to call me everyday sometimes several times throughout the day. it is very annoying and disruptive to my life.
Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.
I tried disputing this address two years ago and the address is incorrect. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}.
My complaint is that Bank of America has decided to stop lending to firearms companies that make XXXX firearms. I have a large account with XXXX XXXX and plan on moving all of my money if Bank of America do not rescind their policy.
I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!
On XXXX, 2016 I contacted Citimortgage and asked for a payoff on my mortgage # XXXX. I was told the payoff good thru Friday XXXX XXXX, 2016 would be XXXX. On Tuesday XXXX XXXX, I tried to pay off the mortgage via on line banking, but my bank wo n't allow more than XXXX dollars to be paid on line. So on Wednesday XXXX XXXX, 2016 I went to the bank to get a Cashiers Check to pay off the loan. The Agent at the bank suggested that instead of sending a Cashiers Check that I would be better off just sending a personal check for the payoff amount. I sent my check # XXXX to the address on my payment coupon from Citimortgage. Their address is XXXX. XXXX XXXX, XXXX, Az. XXXX. That payoff should have been in their hands by Friday XXXX XXXX 2016. As of today, XX/XX/2016 my check has not been cashed. I spoke to someone in Customer Service with Citimortgage at XXXX around XXXX and they told me they had not received my payoff. I asked them to call their XXXX office but they refused, telling me they had no way to contact that office! While this drags on I am being charged daily interest on the mortgage.
I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
I filing this complaint, XXXX, XXXX, and Experian has ignored my request to provide me with the 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!
Experian is stating the courts is Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Experian pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
This account was removed from my credt report and not dispalying history and limit, which effects my credit score. 

XXXX XXXX XXXX Account Number XXXX
In XX/XX/XXXX, I had a problem with meeting my payment due date. I called in to have the payment extended to avoid a late charge, as well as late payment on my account and credit agencies. In XX/XX/XXXX, The representative with whom I spoke told me all was set. I asked him, am I not suppose to get a letter to sign and he said no, all is set, my next payment will be in XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls as well as letters that I am pass due. I spoke with the agent and explained that this should not be. 

She read the account history and apparently saw what the first person wrote, then she said will fix the problem and that the calls will stop. She then send me a letter which I fax back to XXXX with my signature attached. 

On Wednesday XX/XX/XXXX, I went on lone to make my XX/XX/XXXX payment and saw that they charged me {$25.00} for late payment fee, as well recorded late payment to my account history and on my credit report. 

I called to have these corrected and was told the manager denied to waive the late payment because I already have one waived. I told them, this is the company error and not mine and it should be off my credit history cleared from this error. 

I then asked to speak with a manager and was told I have to call back and because they are not available. I now have a {$500.00} balance on my account that is 32 days pass due and a fee of {$25.00}, plus late payment report to my credit history. 

I need these to be corrected - the late be removed, my credit history to clear from this late payment note, and the balance remove to have my account in good standing.
The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : SANTANDER CONSUMER USA Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
In my previous complaint ( Case number : XXXX ) I issued against Bank of America I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week??
This Debt collector : Conserve is not licensed in Texas. 
They are based out of NY.