WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to correct this problem with Equifax before having to file this complaint. This is something that I did not want to be but, now I have no choice. I have sent Equifax XXXX different dispute letters asking for validation of these accounts because, I know they are inaccurate. Each time Equifax just send me back that they have " verified that the account belongs to me ''. Which is clearly not what I have asked. XXXX are the accounts that I want Equifax to send me validation on or remove the accounts fully. 
XXXX XXXX {$100.00} XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  {$99.00} XXXX UNKNOWN {$39.00} XXXX
I received a phone call from a debt collector with FFIF-ACM Opportunity Fund claiming to represent XXXX Hospital in XXXX FL. I recorded the call which lasted for XXXX minutes until the representative hung up on me. I informed the representative that I was recording the call at the beginning of the conversation. I asked her for the address of the company. She asked me why I needed the address, and I informed her that I only deal with financial matters in writing. She refused to provide it to me. I asked ten more times for the address, to which she replied that she could n't understanding me and that I was cutting out due to my bad reception. She then stated that when I have better reception, I could call back and she would give me everything I needed. She never provided me with a company phone number and the call came from an unpublished number. She also refused to repeat the name of the company when asked. I attempted to validate this debt with another debt collection agency that formerly owned the debt ( XXXX ). The debt was never validated and was removed from my credit in 2013.
on XX/XX/XXXX I see that I have of inquiries that ive never apply before. 
Since XXXX I 'am a victim of identity theft and I contact each and one of the Credit beur to report the Fraudulent Inquiries company that requested my credit report to obtain services or credit cards that I've never apply before and I was told by Transunion that I have to make a police report I went to the police department and made the police report to Transunion and contact them by phone and by mail and their customer service would not help me or take care of the negative inquiries reporting to my credit report. that I never requested credit. 
these are the inquires that were made by someone who stolen my identity to obtain credit. 

1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13.XXXX XXXX XXXX, XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XX/XX/XXXX 16.XXXX XXXX XX/XX/XXXXXX/XX/XXXX
On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved. 
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.
Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.
Attached are 2 pages from XXXX XXXX XXXX XXXX, showing a two page  customer account activity statement ( caas ) showing ZERO late charges against our account in XX/XX/XXXX. The Credit Agencies show late payment charges fromXX/XX/XXXXfor ten months, these are wrong and need to be urgently removed from our Credit Reports The caas shows zero late charges in XX/XX/XXXX. It also shows any late charges prior to XX/XX/XXXX were waived, in settlement by XXXX. Such late charges were made at a time when XXXX, under old XXXX XXXX XXXX, were unfairly making false charges aginst their own customers. In fact there was only one initial occurrence of a late charge when l was XXXX XXXX and in XXXX XXXX. After that ongoing XXXX of XXXX XXXX stopped me from working., However we never fell behind after the one occurrence. We paid on time every month thereafter.We argued this with XXXX and they refunded all late charges XX/XX/XXXX. Credit Agency/s are wrong and unfair in PERPETUATING these refunded charges made prior to XX/XX/XXXX. The TWO key issues are ; 1 ) XXXX confirmed no late charges were posted to our mortgage account in XX/XX/XXXX. The credit agency/s must remove all late charges from my account in XX/XX/XXXX ... .as there were no late charges. These incorrect XX/XX/XXXX reports are stopping us from buying a new house. We have been told by other mortgage banks, no loans will be extended to us till the end of XX/XX/XXXX, because of this error in credit reports. This may stop us from ever buying a house, because the costs in an apartment are drawing down our deposit savings. The Credit Agencies must do this urgently, as every day they delay they hurt us considerably, At XXXX we do n't have the time, nor the savings account balance, to sustain further delay. We have always paid our taxes and been good citizens. We have been XXXX XXXX for many years. 2 ) The 'caas ' shows ALL late payments charged prior to XX/XX/XXXXwere removed from our XXXX account. XXXX credited late payments back to us on XX/XX/XXXX.
I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX
I own a home in Fl. 
Nationstar Mtg billed my account erroneously {$340.00} for an inspection which I never ordered. They said it was for a late payment which never happened. There was an adjustment in interest rate which They held a payment and never credited my account until I brought it to there attention.
Sallie Mae/ XXXX has contacted family members in my family that live other parts of the country. They then tried to use fear as a way to get me to pay for a fraudulent degree from the XXXX XXXX. The XXXX XXXX degree is worthless. This has affected my family to the point that my kids future is now taken away. I am separating from my family and loosing my kids. QUESTION : Who on earth feels this is UNCONSCIONABLE? 
Since the XXXX XXXX was just sued by the Federal government for XXXX lawsuits that affected they are hovering at XXXX cents a share. Their degree is considered nothing in the workplace. I am sure the CFPB is aware of this ... but what is the federal government really going to do about it? 
XXXX last interesting fact ... I worked for XXXX XXXX as adjunct. They just announced their closure. I am without a job. NO ONE will hire me! Now they are threatening legal issues when I am being separated from my family, losing my job and having no hopes of work or home. Great job Sallie Mae! Offer me XXXX of your really great deals where I get crooked again ... How about that IBR that you never mentioned was available to me!
I 've had an American Express Serve card for at least a year, maybe longer. I got the AMEX XXXX ( prepaid ) card because there are NO FEES, which is wonderful. My purpose in getting the Serve card was that every time I get paid by my employer, I put {$300.00} on the card. That {$300.00} is used to pay for food items, so until last week, that is all I had ever used the card for. But last week, I bought {$20.00} of gas ( paying at the pump ) with the AMEX XXXX card. Before I started pumping the gas, I checked my card balance, which was about {$95.00}. I bought {$20.00} in gas. Next thing I know, I get a " Low Balance '' email alert from AMEX advising that my card balance is ZERO!!!!! That 's because the gas station charged my card {$100.00} for {$20.00} in gas!!!!!!! I was FURIOUS. I called AMEX and told them I wanted to report FRAUD and THEFT because the gas station took {$100.00} from my card even though I only bought {$20.00} in gas. The AMEX representative told me THAT IS NORMAL and LEGAL. I said NO IT 'S NOT so are YOU going to refund my money or do I fight with the gas station???? After keeping me on hold for 10 minutes, the AMEX rep came back and said they issued a refund of my money but that I can not use the AMEX XXXX card to pay for gas AT THE PUMP ; you have to pay for gas INSIDE the store. WHY IS THE AMEX prepaid card allowed to be treated ANY DIFFERENTLY than a debit card? The money is taken off the card IMMEDIATELY. This is the XXXX century. There are not more " wait XXXX-7 days before your transaction shows up ''. THIS IS DISGUSTING and SHOULD NOT BE ALLOWED. I happen to always have about {$2000.00} in my normal checking account ( debit card ), but what happens to honest to XXXX POOR PEOPLE who ONLY have prepaid cards and then they use it to pay for gas at the pump and the gas station takes {$100.00} off their prepaid card and they have to wait XXXX10 days to have their money refunded??? THIS SHOULD NOT BE ALLOWED. I hope the CFPB can and will do something about this GROSS INJUSTICE. Thank you. XXXX / XXXX Texas
I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud account.
I attend XXXX college in XXXX, AL, which GC services has contacted me about several XXXX XXXX loans that was taken out for XXXX College, in XXXX AL. I called XXXX XXXX to resolve this issue several times, every time I speak to someone they advise me to do something different. Each time I did what they ask and got me know where. I was told to contact the XXXX college and asked for Verification as well a financial transcript. The school has no idea what I am talking about and advised me to contact XXXX again.
I have a dispute with PayPal. As you know, according to PayPal rules, I am not allowed to go to court, and must arbitrate any dispute. So, as required by the PayPal Rules, I submitted a " Demand for Arbitration '' to the XXXX describing my dispute with PayPal, including all required information. Much to my surprise, instead of a dispute resolution process, the XXXX sent both myself and PayPal a letter, saying that the XXXX could only begin the arbitration if both parties provided written consent ( because the PayPal rules do not correctly appoint the XXXX as the administering agency for the arbitration, so the XXXX required a separate consent ). I immediately submitted my written consent. But PayPal REFUSED. Thus, the PayPal rules say that I must arbitrate all disputes with PayPal with the XXXX, but when I tried to submit my dispute to XXXX arbitration, PayPal refused to use the organization their rules call for! Now I have no recourse at all, I am not allowed to go to court, and PayPal refuses to arbitrate in the manner proscribed by their own rules. This is truly outrageous conduct by PayPal, they clearly are just trying to avoid any dispute resolution process. I will attach a copy of the XXXX letter to this complaint if this system permits. Please force PayPal to follow their own rules and arbitrate my claim in the manner their own rules require. 
XXXX XXXX
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.
Please remove this inaccurate information from my credit report. I have submitted numerous disputes thru the company and credit reporting agency, I have yet to be provided with proof or any correspondence. This account/debt does not belong to me and is harming my credit character.
Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.
I have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX   XXXX XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX XXXX XXXX reported my Mastercard account to XXXX, XXXX and Experian for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with XXXX, and over 50 points with Experian. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX   XXXX. I also filed disputes with XXXX and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
I received letter from Experian on XX/XX/XXXX confirming the FREEZE on my credit report and how to temporarily or permanently remove the security freeze. 

Subsequently I provided my credit union with a one time PIN for viewing report on XX/XX/XXXX I just received notice today XX/XX/XXXX from XXXX XXXX that another entity was able to review my report without my agreement / without a PIN. 

I called Experian and they were unable to locate the Freeze on my account using the PIN they had given me. They required my SSN and then told me there was no record of Freeze. 

What is going on!??? They took information to place another security freeze, but my confidence in them is LOW.
PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.
I buy a pre-paid phone card for my smartphone through XXXX XXXX, XXXX every month. I expect to get access to my Google account for what I pay, ie : {$45.00}. But what I actually get is a BLOCK from any communications I wish to respond to in XXXX videos & my emails. I can only read, but my answers do not go through. I have never used bad language or threatened anyone or did anything that would be considered a criminal act or break a contract by abusing the service.
XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX
I received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.
Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.
interests rates are too high and it seems as I will be paying my loans until I retire. I 've tried to work arranging a payment I can afford on a monthly basis and have n't been successful accomplishing it. It is overwhelming.
I went to XXXX and proceeded to retrieve my free annual credit reports from XXXX XXXX, and Experian. I was able to retrieve the first two from XX/XX/XXXXand XXXX, but Experian kept saying " We are unable to give you a credit report '' or words to that effect. 

I tried again, this time selecting only Experian - same result. 

I went to Experian.com and tried from there - same result. 

There is no valid information at Experian 's website, no helpful phone number, no phone number answered by a person. No help what-so-ever. 

So Experian is now in violation of the Fair Credit Reporting Act by refusing to supply me with my free annual credit report. And they arrogantly refuse to help.
I called Monday  XXXX   XXXX  to get an additional card. I was told it would be $  XXXX  for extra  card,  ( not  free as advertised ) I asked if there were a way to expedite shipment.  XXXX   XXXX  Dollars for  1-2 d ay shipment. they would waive the card replacement fee. I called the next day to confirm. They had canceled the new card. I asked of ra replacement. the employee kept insisting that I cancel my current card that was misplaced. I told her numerous times that I did not want it cancelled. She kept insisting that she had to protect me. I finally told her that I had  an IQ tha t qualified me for the   XXXX   XXXX   and I did not need her to advise me on finances. In flagrant disregard for my wishes she cancelled my cards. An did not ship me a new one. I can to pay my bills online now. I can not pay my car rental and can not work. Later Tuesday I spoke with a manger who guaranteed me  1-2  day shipment for a card,. And that it would be here by Thursday. I get notification at  XXXX   XXXX  Wednesday that it has been shipped. I need to pay  XXXX  bill by Friday and I can not do it. I am a   XXXX   XXXX    XXXX  patient and I do not need this stress.   This is t he SECOND Time I ha ve had tis problem.
Chase bank continually back dates ACH transactions so that they can charge me overdraft fees. I make payments to come out the day that I get paid and they always backdate the payment to the day before I get paid. They then charge me {$34.00} for each overdraft fee. They also continually put larger transactions through before smaller transactions so if I do get an overdraft that they can charge me {$34.00} for each transaction evenn if its only {$5.00}. These are predatory practices. I have been suffering severe medical issues lately and they have also taken away my ability to make mobile deposits on my checking account. It is dificult for me to get to the bank to make a deposit there. I believe this is another attempt for them to maximize their overdraft fees.
XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.