WillisBack/dataset-financial-user-claim huggingface dataset:
upon checking my credit report I observed an address and a account that is on my reports that are not mine. I have been victimized by identity theft and I would appreciate it if you would assist me in the removal of this account.
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a charged off credit card account that I had with them. I asked them to verify the debt and stated that upon verification I would be happy to settle the account if in fact the status and amount owed were correct. They never verified the account. Instead I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX offering a settlement of the account for {$270.00} of the supposed {$410.00} owed. At the time I did not take the offer because XXXX XXXX never verified the accounts validity. On XX/XX/XXXX I received a phone call at my parents house ( still not sure how they got their number as I never provided it but am a XXXX ) stating that they wanted payment of {$330.00} to resolve the account right then. I asked if I paid this amount would they delete the account from my credit report and they stated no but that it would update as settled to the credit bureaus. I took them up on the offer because I wanted to be done with this company and my wife and I are trying to improve credit scores to build a house. Upon checking my credit report in XX/XX/XXXX they did update the information however it still shows as charged off and reflects a balance still of {$83.00}.
this lender has called my work numerous times after I 've asked them to stop. they will not stop calling 3-5 daily.
I have been keeping a close eye on my credit report because I have been a victim of fraud. Transunion is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, MS XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent TU letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.
On XXXX XXXX, XXXX I sent an affidavit of hardship letter via email to mortgage servicer, Select Portfolio Servicing , Inc. and although I received an acknowledgement from SPS, I was told they had not received my affidavit. I had mentioned my XXXX in my XXXX/XXXX/XXXX letter. I believe this is the reason they claimed to not to have received my email. I realize that I was probably too detailed as to what happened, but I was trying to let them know just how close to XXXX I was. I finally sent SPS another letter dated XXXX/XXXX/XXXX and did not mention the XXXX and they accepted that letter. 

We are now trying to send in another Request for Modification Application ( RMA ). I mentioned the XXXX again without all the details except for that I thought that SPS was the reason because I have not been able to work since XXXX of XXXX. I feel like that this is a good reason for financial hardship. I mentioned it again and am sending a copy to the Consumer Financial Protection Bureau so that they can be a witness of my letter and that I did receive an acknowledgement from SPS. I do not expect a response from SPS I just need a witness to the correspondence.
I have a closed account ( XX/XX/XXXX ) with a balance of {$100.00} under CITICARDS CBNA that was opened around XX/XX/XXXX. I don't have any payments that are due or received any e-mail or letter regarding this. 

I just got off the phone with CITICARDS and they looked up under my account ( I have one credit card ) with them and they saw no increase or {$100.00} that I am referring to. They also looked by my social security and nothing shows. 

Take a look at the screenshots to see this report come in to my account.
southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you
My complaint is about coinbase. They state funds should be available between 48 hours of your tranfer from your vault to your account. My withdraw was initiated on XX/XX/XXXX for XXXX Bitcoin. At the time Bitcoins value was about 40 % higher than it is right now. I also did the same with my XXXX and XXXX vaults. 

I have emailed, called countless times etc. I am debating a law suit. The only answer they give me is that my complaint was escalated. No answers, no updates, nothing but a scripted response. 

This is a Billion dollar company. They either don't care or it is a fraud. 

My next complaint is to the FBI.
I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!
On XX/XX/XXXX, I checked my card account with American Express. I noticed that they had lowered my credit limit from {$11000.00} to {$3800.00}, and I was confused as to why. When I called in, I spoke to a XXXX who then transferred me to XXXX. When I spoke with XXXX, he then read a script saying that they checked my credit report with XXXX and reevaluated my relationship. Based upon what they found, they decided that it was best to lower my credit limit. I expressed to XXXX that I had several problems with this. First, my account with them has NEVER been late. I have been a member since XXXX, and I have never missed a payment on any of my accounts. Second, my credit is excellent and my income is also great. I also find it very odd that they decided to do this after they denied me for another credit card ( I submitted an application four days ago for it ). I almost feel as if I am being punished for asking for an additional card, even though I have excellent history with them. This situation is humiliating and as a result of them lowering my available credit line, it looks as if I am maxing out my credit cards with them which will impact my credit score negatively. There has to be some type of protection for someone in my situation, and the representative was not helpful. I am trying to purchase another home next year, and I feel that this will impact my ability to qualify.
they are charging me interest outof this world and i told them i did not have XXXX $ after i only took out the loan for XXXX $ and paid them XXXX $ something like 5 times and i still owe more than the XXXX then they will not stop from hitting my bank account after i asked them too
I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with TRANSUNION, XXXX  & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
I have disputed the late payments on this XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Experian refused to reverse the late payments, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.. CFPB please step up and fix this ASAP please Im looking to purchase a home
In XXXX of 2014, we fell behind on our mortage payment with Seneca Mortgage Servicing, LLC. They stated we were 2 months behind after returning a month 's payment stating they will only accept the entire amount due, which was approximately {$2400.00}. Prior to this, they had sent someone to our home representing Seneca, took photos of the outside of our home & left a notice that they plan to begin the forclosure process. We contacted them the next day ( XXXX 2014 ) and they initiated a repayment program where we would put {$1200.00} down and add an additional {$200.00} a month to our mortgage payment for the next 6 months, which we did complete. On the 7th month, we called to make our payment and they informed us, we now owed {$3900.00} & were still 2 months behind. In the interim, they had never sent us a copy of the agreement/amortization despite several requests. The account manager could not explain where my additional {$2400.00} in payments were applied. I demanded a copy of the repayment plan and they sent XXXX they created 5 days after my phone call, which did not have not the original terms and the terms showed what they now claimed was the terms. The agreement phone call should have been recorded and they could obtain the details from that, but have not. The asset manager does not return calls and the account manager asked me to " stop talking '' when I was disputing the issue. There has been no resolution and we are afraid they will be agreessive with forclosure threats again.
After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.
I got a kohl 's credit card in XXXX CA. When my first payment was due I called a representative of Kohl 's and ask them to change my billing date to the XXXX of every month to keep from getting charged late fees every month. The first time I called was XX/XX/2016 to get them to change my billing date. I was told I had to pay my balance up before they would make any changes to my account. I called them again today on XXXX/XXXX/2016 and again I was told I have to pay my balance up including any late fees. I explained my situation to them and they was not willing to work with me to resolve this issue.
After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )
Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.
In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?
I was applying to Citizens Bank/Citizens XXXX XXXX XXXX XXXX XXXX, RI XXXX for a loan in reference to the XXXX, as per : XXXX The XXXX Upgrade Program is financed through : Citizens One Subject to eligibility* I applied in store on XXXX XXXX 2016 - was denied, due to the XXXX employee mistyping information. The employee did n't verify the information so I was declined loan, I waited 75 minutes and called Citizens One to get a case started to resolve the issue, was given a dispute number.. I wated the requiste days, and was told that CO Bank would reach out to me. They never did, so I engaged again only to be told they would reach out within a couple more days. I had to have the agent send me an email to verify they would. The agent gave me my needed details. I waited, no call so I engaged again and the next agent didnt seem to know what I was calling about. I gave my dispute number and they seemed to think I had just started calling ; after I got her manager I was able to get some details. The department that handles the disputes for this issue ( ironic they need one ) had a decision just no one called me. So I had yet another manager level agent send me an email guaranteeing that the bank would contact me ; but at this point realised the fact that I have to have the company email me to ensure they stay honest sort of scares me a bit.
I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it 's some kind of business decision. Then I called them to ask for my cash back, that 's XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n't want to give my money back.