WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
On XXXX/XXXX/16, Citibank close my AT & T Access More Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened XX/XX/XXXX and I paid the {$95.00} annual fee in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$95.00} annual fee I paid. 

Furthermore, the sign up bonus for this account included a {$650.00} credit towards a purchase of a new AT & T smartphone after spending {$2000.00}. Although I met the spending requirement very quickly I was not able to purchase the phone through the Citi online portal due to the Citi website 's technical difficulties. I contacted Citi Customer Service with this issue and the Customer Service Representative I spoke with advised me to purchase the phone directly from AT & T and faxed in the receipts to be reimbursed. I purchase the phone on XX/XX/XXXX and faxed in the receipt to Citi Rewards Department @ XXXX on the same day. Since the {$650.00} credit was still processing when the account was unilaterally closed by Citi, I suffered detrimental reliance since I purchased the phone with the expectation that I would be reimbursed up to {$650.00} by Citi. I would like Citi to follow through with the agreement of reimbursing me {$650.00} for the phone I purchased. I attached the fax I sent to Citi Rewards Department on XX/XX/XXXX.
To Whom This May Concern ; XX/XX/XXXX I am confused on the situation all this information this company and attorneys have documented is false, accept that we have not made a payment to Planet Home Lending, the company that bought the mortgage illegally, since XX/XX/XXXX since nothing that has happened is legitimate. We were not up to date on our payments in XXXX through XXXX, due to XXXX not accepting payments at that time. XXXX did, however, accept one last payment in XX/XX/XXXX. The payments sent before this monthly were refunded and refused, so when this mortgage was sold under false pretenses. I am sending along all the documents and the new ones from the present attorney trying to foreclose on our house, when none of the actions and activities leading to this has been within the law how can this happen. I have asked for answers from this company with no received none. I have more paper work I would like to send for more info, but I could fax it would be quicker. I have the current documents from Planet home lending 's current attorney and it is not correct. 
Thank you for your time,
On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.

He had already insulted us. We have the right to refuse a re financing of our mortgage.

A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. 
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.

Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.

I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX WELLS FARGO BK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I HAVE REACHED OUT ON SEVERAL DIFFERENT OCCASIONS REQUESTING INFORMATION FROM THIS COMPANY TO PROVIDE ME WITH SPECIFIC INFORMATION PERTAINING TO DEBT THIS COMPANY IS SAYING I OWE, WHO HAS GRANTED THEM THE AUTHORITY TO COLLECT THIS DEBT, WHEN DID THEY ACQUIRE THE DEBT, AND A COPY OF THE AGREEMENT I SIGNED WITH THE COMPANY THAT BEARS MY SIGNATURE THAT LEGALLY BINDS ME TO TERMS THAT REQUIRE PAYMENT WHICH CONSTITUTES COLLECTION AND REPORTING ON MY CREDIT. THE COMPANY HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED YET THEY ARE STILL REPORTING INFORMATION NEGATIVELY ON MY CREDIT REPORT.. I HAVE BEEN REQUESTING THE SAME INFORMATION FOR SEVERAL MONTHS WHICH IS A RIGHT I HAVE UNDER FCRA AND FDCPA. THIS COMPANY HAS NOT SENT THE INFO OR PROVIDED ME WITH PROOF IN A TIMELY MANNER WHICH IS AGAINST THE LAW
On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
sent ftc violations and police report of having 4 social security numbers on XXXX  that are not mine
Mortgage refinance - Title company found judgement against XXXX XXXX form XXXX XXXX. Although the address and date of birth did not match they would not clear title because somehow, Asset Recovery Group had my SS #. XXXX attorney 's I talked to said they frequently pull that information from data bases without verification. After several conversations with the title company ( WFG ) they ( Asset Recovery ) convinced them beyond a doubt that this was my debt. This is fraud. We were three days from signing ... I had no choice but to pay someone else 's debt or loose my interest rate. {$2700.00}. I want my money back. 

XXXX XXXX living in XXXX WA made numerous trips to the XXXX over several years around XXXX. She ended up owing XXXX which she defaulted on. XXXX reported this debt to the credit agencies on XXXX XXXX 's SS and then sold it to Asset Recovery who pulled my SS number from a data base, probably due to the similar date of birth. XXXX XXXX, however, was served at her home -in XXXX!! 

All XXXX had to do was look at my credit reports to clearly see I have never lived XXXX and never been to the XXXX. My credit reports are spotless with a score of XXXX XXXX to be found. My children have know me for some time and never once visited me in XXXX. 

The date of birth was wrong and in XXXX I had dark red hair - I only stopped dying my hair two years ago but you would not know that, no one ever called me ... 

Asset Recovery has stopped giving me information as they are realizing they have made an egregious error, but admitting that opens them up to a law suit. Collection agencies pull SS from data bases and errors are not uncommon. At our last communication they said " we are not sure you are this person. '' They will not provide me the date of birth so I can order the medical records from the XXXX, because as the last XXXX attorneys I have spoken with have indicated ... the XXXX will have the correct SS #. Gee, if I was really this person I should have no trouble getting my own medical records ... thing is I 'm not this person. I do n't know her real SS or her real date of birth.
I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
I hap applied for XXXX XXXX credit card on XXXX  2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why XXXX XXXX  did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.
My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.
Dear Sir or Madam, Please help with the following matter : On XXXX XXXX XXXX around XXXX our vehicle was repossessed from our yard. When I contacted XXXX, they informed me that I was XXXX  days past due on my loan. When I informed them that I had in fact made every payment, XXXX insisted that no payments were made. I informed them that I had made the payments through the their website and that my bank statements had " XXXX XXXX XXXX XXXX XXXX, XXXX '' in the memo line and I gave them the dates from our statements which were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. All payments were XXXX and cleared our bank as a debit charge. They continued to insist that the payments were not made or received so I asked for a fax number to send in proof of payment. I sent the bank statements into XXXX different fax numbers and called multiple times speaking with a supervisor many of those times. The reps continued to say that they never received any faxes from me and that they would be auctioning off my car XXXX XXXX, XXXX if I did n't refinance through a different bank. I have made multiple attempts via fax and email to prove that my payments were not only made, but made on time. Since I have made every payment on my loan I do n't see why I have to refinance or pay any of the repossession fees. XXXX also failed to contact me to let me know they were not receiving my payments. My email address, phone numbers and place of employment have not changed. The reps I talked to said they called, emailed and mailed multiple notices and never received a response. I have checked my email, my phone records and I also never received anything from the mail. Because of the lack of communication I was unable to rectify the situation before the repossession of my only transportation. The reps at XXXX have repeatedly denied me the opportunity to continue my loan payments and have adversely impacted my credit bureau reports which may prevent me from obtaining a new car or home loan.
A satellite company has been harassing us for XXXX years accusing us of not returning their equipment. We did return the equipment and we were in contact with them as we did so. They sent us the boxes and forms to use to return said equipment. Emails were sent to us saying the equipment was received and they are dated! On our last phone conversation we told them to please remove the " negative '' item from our credit report. We even sent them the emails indicating receipt of the equipment. They have asked for and we did send copies of our correspondence. We got no reply and then after a XXXX of months, another debt collector begins calling and harassing us for payment. I do n't know how many times we have to do this, but this negative continues to show on our credit report. In the meantime, I have purchased a home, a new truck and a motorcycle and have had to present proof and documentation to the lenders in each instance. We have asked them again to remove this negative in the last month but have received no word from them. They demand proof and when we supply it, they ignore us. I want this blight removed and I have gotten no satisfaction from this company.
XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!
i recieved a call XXXX trying to collect from an EZcorp account. XXXX management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XX/XX/2016 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against XXXX management and she stated that she will be putting me on a do not call list!!!!
I co-signed a student loan for my daughter years ago through I believe was XXXX XXXX. Since then the load was taken over by NAVIENT. I had no knowledge or notice of this transfer and in the process NAVIENT did not have any correct contact information for me on hand. Last year I get notified by my credit reorting service that a late/non-payment notice hit my credit score ( XXXX ). I contacted both my daughter and then NAVIENT, updated my information, paid whatever was due, and asked them to remove the late payment from my credit report since I had not been previously been contacted about the payment. After many attempts to have this corrected, nothing has been done and no one can give me an answer as to why. Also no one will call back. I noticed your agency filed a suit against them and thought you might be able to help. I have never had a late payment in my life let alone a non payment. I would like to have this fixed. 
Thank you!
On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.
I have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
I am livid and I am tired of being ignored, violated. Experian is repeatdly lieing to me about verifiying accounts on my report. I have proof and copies, that they have not accurately been reporting, validing the request i send in. I need help in enforcing the rights I have as a consumer to fix these repeated ongoing issues.I have taken the time to list each account for ISSUES and REASONS OF INNACCURATE, UNVERIFIED AND SHOULD BE DELETED. I have provided copies of request that i have certified copies they received with this information dated back to XX/XX/XXXX. 

XXXX XXXX ACCOUNT XXXX ... -- - ( XXXX ) *Reporting late 30 days 23 times! shouldnt it have been XXXX????? 
*if that was the case how is it PAST DUE in XX/XX/XXXX? isnt this reaging? FCDPA VIOLATION *I have been disputing this for months how is the Date of Status XX/XX/XXXX? Violation of FCRA *How and WHY are you reporting payments on a charged off account? 
*why is the chargeoff amount XXXX when you say I am past due XXXX? 

Do you see a pattern of this? This clearly has not been valided, nor verified and should be deleted! 

XXXX XXXX # XXXX .... 
* Date of status is incorrect ( i have been disputing the validation and verification for months ) This provides this account hasnt been updated ( DOIA ) FCDPA and FCRA *XXXX XXXX is the month and date of the inaccurate reported charge off *How is this past due XX/XX/XXXX of XXXX when you charged off the same amount 2 years ago? 
*NO TERMS BEING REPORTED *NO MONTHLY PAYMENT AMOUNT.
I went to 4 different Chase bank locations and none of them have the XXXX logos posted on their ATM machines and no network logos were presented on screen.
From Friday the XX/XX/XXXX to Saturday the XX/XX/XXXX. ( TCF Bank ) I have noticed has continually been slow ( seems intentional ) to update banking transactions. ATM, debits and credits. It takes them up to 5 days to update and post all transactions " even if they occurred on the same day ''. Not only that! But the posting on my cell app and on PC website access have shown different dates for the update and postings of transactions. They smile when I seriously question their practice and they say that all banks do this. This I do not agree with. What I do see is this. " If I was not paying attention '', to a budget or what financial transactions I undertake. The TCF Bank would be charging me " fees '', that should not be occurring. What my experience has said to me is this, " once I don't look '', I will get hit with bouncing fees of {$37.00} or more depending on how many transactions bounce. The current frustration is that on the XX/XX/XXXX my insurance payment posted and was confirmed by my XXXX XXXX that it was collected. But the TCF Bank today on the XX/XX/XXXX told me they did not get paid because it doesn't show on the posted accounts. Mind you last night on the XX/XX/XXXX on the PC and cell app it showed that it was posted. But this morning as of XXXX it has disappeared from the transactions all together. I believe that I am not the only one going thru this erroneous practice from TCF Bank.