WillisBack/dataset-financial-user-claim huggingface dataset:
Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, Experian. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, Experian. If there is shown a way to contact this agency, it is not readily or easily found.
On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!
I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.
On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.
I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. 

I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. 

Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.
I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.
Problem : Opening a Target credit card back in  XXXX   XXXX ,  XXXX  in  XXXX   XXXX , CA to take advantage of a promotion to save 5 % on that day 's purchase. The cashier offered the 5 % savings if I applied for the card, so I did. I filled out the fast credit brochure and put my address in  XXXX   XXXX . The cashier mentioned that I would be getting my target card on the mail in a matter of weeks. So I qualified, and ended up using my own  VISA  debit card to pay for the purchase.   Now, what target did is let  XXXX  use my own  VISA  card to pay but in reality what they did is used my new target credit card to pay for the total amount of {$32.00} on that  XXXX   XXXX  (  XXXX  ) day.   I was waiting for the card for weeks but it never came. So, I decided it was best not to get involved with another card. During my monthly budget overview I must have not paid too much attention to that purchased as it was  XXXX  and a busy month. To my understanding since I paid using my own VISA card I was very unaware that Target had charged me using that card.   On  XXXX   XXXX ,  XXXX  I got a call from a collector from Target demanding that I pay an amount. This was a total surprised to me and I had no idea what she was asking me to pay. I ended speaking to Target 's complaint department, customer service and the dispute department and filled a claim after I explained to them that I never received a bill from target for the amount I owed and to this day  XXXX  do n't even know the credit card number because I never was mailed  one. They did n't care, the collectors  only wanted me to pay after making me feel really bad and called me a liar many times. 8 days after the conversation with the Dispute department I got a later from Target telling me that I had put the incorrect address and that was it. After waiting  2 hours, 2  hours on  XXXX / XXXX / XXXX  to speak to someone in the dispute department I tried explaining my problem and that I was willing to pay the amount that was charged ( {$32.00}  )  on the card initially but that the fees now amounting {$110.00} were very unfair. When I asked what address they had on file they told me it was my old address in  XXXX , CA where I lived 5 years ago. I asked how would they have that address the lady mentioned, " we got it through public records ''. So, at that point I knew that I had not filled the incorrect address because I opened the card at the  XXXX   XXXX  Target, I live in  XXXX   XXXX , CA and to this date I would n't have remembered the apartment number where I lived 5 years ago.   This is a very illegal charge and I need to get resolution and stop the harassing calls.   I am willing to pay the amount that was charge that day on  XXXX / XXXX / XXXX  but the fees are unfair. I never got a bill from target to pay anything. I had no clue that the amount was charged on the card. They took advantage of the  XXXX  holiday to bill me without telling me and then when the fees amounted to an amount they want to collect they contacted me.
my account is in error which is reporting 30 days late for XXXX 2017.
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, Transunion and XXXX. Any question can call XXXX XXXX XXXX at any time. More than a year ago you made the complaint by phone with the case number XXXX and I have not received a reply.
I was completely dismayed when I saw all these tradelines on my credit report.. I disputed the accounts asking Experian what is going on why the accounts are verified when in fact, they are not accurate.. That tells me that they did not take appropriate measures to investigate each one of them.. CFPB please handle this issue and remove the accounts asap XXXX XXXX ( multiple entries ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( duplicate reporting ),   XXXX XXXX ( duplicate reporting ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  TX XXXX
I noticed that I have an active account on my credit report and I was not made aware of any outstanding balance from creditor or collection agency
I have a Bitcoin account with XXXX/Coinbase. I sold a large sum of Bitcoin recently, over {$700000.00} worth to be exact. They have a daily limit of {$10000.00} for withdrawals to a checking account. They also have a notice that if you need more, simply fill out a form. On XXXX XXXX, 2017, I submitted that form. I am in the process of purchasing a new home and the relocation company that is selling the home requires that I have the money in my checking account, as I am paying cash for it. The relocation company is getting anxious in that they believe I am trying to defraud them in some way. I 've sent XXXX/Coinbase several emails in addition to the form I submitted previously telling them that I am trying to purchase a home and that I need MY funds that are sitting in my account. They always respond with a reply stating that they are very busy and will get back to me shortly with an answer. 

I need MY money and see no reason why there is a limit to how much I can withdraw in a day. I started several days ago withdrawing {$10000.00} each day but this will take me 70 days and I 'm sure the relocation company will not wait. 

Can you help me? Like I said previously, I see no reason as to why they can not at least give me total access to MY funds.
In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX   took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks  ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).
XXXX dba XXXX, XXXXand XXXX harassed me and my family at work and home for 10 years. They claimed they bought a 15 year old Sears Citibank Master Card debt that belong to me. In 2008, after hardship during Hurricane XXXX, we file bankruptcy. So, this debt was discharge by Citibank. 

In XXXX, XXXX/XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my XXXX. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was discharged. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.
I became a customer of Synchrony Bank when I purchased my furnace. I was offered a 24 month interest free credit card which expired on XXXX/XXXX/XXXX. I have never used the card for anything other than the initial purchase. It was always my intention of paying this account in full by the expiration date. 

At the request of Synchrony Bank I signed up for electronic statements. On Thursday, XXXX XXXX, XXXX, I noticed my balance was much higher than what I recalled owing on the account. After further review I realized I was past due on paying off my promotional balance. I had this account setup to pay through my bank and did not review the statement showing the balance was due on XXXX XXXX, XXXX to avoid the additional interest. On the monthly e-mails from Synchrony, it was not evident that my promotional period was expiring. 

It was an oversight on my part and I have since switched to paper statements to avoid this type of error in the future. It was always my intention to pay this account in during the promotional period. It was not readily apparent to me that the full balance was due on XXXX XXXX. If I had been aware that the full balance was due on XXXX XXXX, this account would have been paid off then. 

I wrote to Synchrony requesting that the deferred interest that was charged, {$2500.00}, be waived. I enclosed a check for {$3300.00}, which represents the promotional balance that was outstanding ( which they cashed ). I am currently in good standing with Synchrony with this account as well as other accounts I have had with GE Capital/Synchrony. I  am very conscientious about paying my bills on time which is reflected in my excellent credit history. 

I also feel the interest charged of 29.99 % is exorbitant. 

Synchrony denied my request. 

Thank you, XXXX XXXX
XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.
In XX/XX/2018, I called a debt collection agency that I received a piece of mail from. The company is XXXX XXXX XXXX. I live in a documented disaster area, and after hurricane harvey hit, we had a different mail man and we were receiving other people 's mail, and some of our mail wasn't being delivered. I never got a previous letter from this debt collector so once I received their letter in XX/XX/XXXX, I called and talked with a lady and told her that I never recieved any previous correspondence and I gave her an offer to pay a portion of this debt they said I owed. The lady put me on hold and came back very rude, telling me that I DID receive their letters and giving me dates that I received them and yelling at me. I never got a letter to dispute and it's unfair to not settle with someone in a disaster relief area seeing as we were out of work, etc during that time.
I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''
They have sent me a collection notice for {$440.00} and this is supposed to be the final amount due for water and some minor miscellaneous charges from an apartment that I lived in for one month 's time. There is absolutely no way that my water bill was that much for one or two months. They averaged about {$82.00} a month while I lived there. I have asked both the apartment and the collection agency repeatedly to send me a statement itemizing the charges. It has been 9 months since I moved out, and I can not get the statement. I called the apartment, and they say that they made an error and it should be about half that, and they told me that they took care of it with the collection agency, however, I just received another statement from the collection agency with no correction. The collection agency then sent a collection notice to my son who was a minor on my lease, and that is absolutely wrong. Any communication with this collection agency is just completely unhelpful. They yell at me that they can not make the apartment send the statement, and refuse to provide it. I told them not to call me any more, and they said they would call continue to call me. Bottom line, I will pay what I owe, which should be around {$200.00} but I can not get an accurate statement showing me what I owe. I need the statement, and I need this item off of my son 's credit, as he was a minor child listed on my lease as a child, NOT a responsible party.
This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.
I have disputed several incorrect address with Experian several times. Experian is saying that they can not remove the fraudulent addresses because companies are reporting these addresses. I have never lived at these addresses and Experian is violating the FCRA by reporting these addresses for me. Please remove the attached addresses.
Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.
Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.
Citibank XXXX credit card claims as XXXX of its XXXX Benefits " XXXX car Rental Insurance ''. It says : " You can be covered against theft or damage up to {$100000.00} for any rental car in any country. Just use your Citi card and decline the rental company 's loss/damage insurance ''. 
In XXXX 2016 I rented car from XXXX in XXXX XXXX. The car got broken into. XXXX passenger side windows were broken. My credit card was charged {$400.00}. I made a claim to Citibank. Sent them all the information as requested by e-mail. Received XXXX e-mail confirmations that they received the documents. 
Today is XXXX XXXX. Two days shy of 1 month. 
I have heard nothing. I have called them three times. They just say that they are working on it. This is a SCAM. I regret NOT getting XXXX insurance. 
Citi should NOT lie about providing a benefit. 
Thank you.
Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.
I have tried reaching out to XXXX, EQUIFAX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
This is a follow-up to Case Number XXXX. 
I spoke just now with a customer service representative with American Express, in response to an email requesting that I call. 

The issue ( AGAIN ) was the amount allegedly due on my Amex Blue CASH card, now cancelled by Amex. I explained ( AGAIN ) about the XXXX proofs of payment I mailed in XXXX XXXX and again in XXXX XXXX. I told her the results of the XXXX investigation : " everything is fine. You may use your card. '' I made a charge in XX/XX/XXXX. In XX/XX/XXXX, proving that I had been able to use my credit card because the question about the missing payment from XX/XX/XXXX had been resolved. 

The customer service representative told me : 1. " There are no notes in your file about any investigation. There are no case numbers, no dates of investigations. '' 2. " According to your file, you have not made a payment on this account since XX/XX/XXXX. '' 3. " There are no notes in your file about any refund check. '' I am completely outraged by the incompetence of American Express. They have the nerve to harass me about a grossly overdue payment, but have erased all evidence of the investigations and the documents I submitted for XXXX investigations. 

I should not be made to suffer because of their incompetence.
I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.
On several occasions I have asked Diversified Consultants to end all telephone communication because it is harassing and during the course of the day when I at my place of work. I also instructed them to have all communication ( s ) pertaining to the matter sent to the address they have on-hand via USPS. To day I received yet another call at XXXX and advised the young lady once more to cease and desist all phone contact. I need to FTC to contact this collection agency and inform them that they are violating my rights and my request to cease all phone communication.