WillisBack/dataset-financial-user-claim huggingface dataset:
Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.
I have noticed hard inquires on my credit report that do not belong to me. I had called XXXX who is handling things on their end and advise for me to contact the company that made the inquire. I have done so, I had called First Advantage/XXXX XXXX along with the company that states I filled out an application XXXX XXXX   XXXX, but passing the buck that I need to contact the other to get this removed. I did not apply at XXXX. It was an error that First Advantage/XXXX  XXXX who put this on my credit report. After speaking with a representative from First Advantage/XXXX XXXX they veified they had the correct location we applied to but also had a 2nd location that was added. I informed the rep we never applied to XXXX she said contact them. I contact XXXX, she said contact First Advantage. Both are passing the buck. 

They also did a hard inquiry 2x on the same location within 8 days of each other. ( see attached ) This is the location where I did apply and move into. I asked to have one removed since they inadvertently inquired 2x for the same location. Only to get push back and them refusing to do so blaming it on the property management. 

You will see in the hard inquire the place I moved to and applied XXXX XXXX and XXXX XXXX  XXXX are 4 days apart, but after review the locations each are 3 hours drive in distance.
I missed a payment and spoke with a rep to setup new payments and I continued to get calls after that.
On my EQUIFAX credit report I have XXXX hard inquiries, XXXX in which I do n't know anything about. I 'm really shocked to even see this much but it makes me mad For them to be on my report when I did n't even do it. I tried to get the problem resolved but obviously they do n't want to. 

XX/XX/XXXX-XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX
BMW financial has fraudently, illegally and intentionally reported erroneous information to XXXX. I contracted a lease agreement with BMW Financial in XXXX XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to XXXX Credit bureau , BMW Financial maliciously changed the contracted lease amount from XXXX To XXXX. Also BMW FINANCIAL keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what BMW reported to XXXX in XXXX and now XXXX BMW Financial is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting BMW to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my XXXX CREDIT REPORT. Dont let BMW financial get away with changing loan terms 7 years later. XXXX let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
XXXX advises my account is current however Convergent alleges they are collecting a dept on their behalf.
Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
TransUnion File Number : XXXX. TransUnion has reinserted previously deleted information ( i.e., addresses ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). TransUnion is well aware that a security freeze is in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. TransUnion is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My TransUnion file should only reflect such information. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following addresses do not belong to me, I have never lived there and they should be deleted from my file immediately : ( address 1 : XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( address 2 : XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ) ; ( address 3 : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ). Please provide me with the source verifying these incorrect addresses. Please provide me with the method of verification for obtaining these addresses. I have attached a copy of Investigation Results from the credit reporting agencies XXXX and XXXX showing the addresses listed above have been deleted because they were mixed and do not belong to me. Attachments : Driver license, social security card, XXXX  reinvestigation results, XXXX reinvestigation results.
This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.
We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as " debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan, which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income, how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance, and Capital One is writing it off, how is it legal for Capital One to still say we owe it?
I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.
Diversified consultants keep on calling saying it is urgent I call them back to settle debts. 
They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.
After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}
Home purchased with former spouse in XX/XX/XXXX with assistance of XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; divorced in XX/XX/XXXX, did quit claim deed ; laid off in XXXX, underemployed in subsequent job acquired in XX/XX/XXXX, on XXXX in early XX/XX/XXXXas result of complications due to XXXX XXXX ; received assistance from Illinois ' Hardest Hit but require authorization from former spouse to continue ; have no contact with former spouse ; have never had a loan modification ; mortgage company denied request for modification stating an additional {$1200.00} must be brought in monthly to even consider a modification, but if I had an additional {$1200.00} per month I would not need a loan modification ; my ultimate desire is to remain in my home especially given the stress of my chronic medical condition.
In the XXXX XXXX Equifax hack they believe that my personal information was affected. The leaking of this sensitive information could open me to the risk of identity theft and monetary loss. The lack of security from a company entrusted with the most important financial information of millions of people is inexcusable, especially since there is no opt-out option. I never chose to do work with this company, they have my information whether I agree with it or not, and now so does whoever hacked the system. Moreover, the fact that high ranking officials sold stock before the news became public so as to cash out before having to face the consequences of their ineptitude is just further proof these people should have never been trusted with our information in the first place.
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.
I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.
I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.
I am continuously receiving calls from a company called Great Lakes EDU about old school loans. I am XXXX and am no longer required to pay back the loans. I am being harassed by this entity, even after I block them ; but they still find a way to continue calling. I don't know what more I can do about it. The calls have been going on for 6 months. I have all the instances on my cable carrier. The most recent call was Friday, XX/XX/XXXX. The phone numbers from this company very. One number is ( XXXX ) XXXX.
I have been charged XXXX dollars so far this year in over draft fees. I got a phone call from the manager at PNC and I tried calling back several times and no one has returned my phone call.
I used Barclay Cards website to make my online payments. I did not realize that I had selected through there website an old account that I was no longer using and I had selected a payment to be paid in XXXX and XXXX which was returned was account frozen.
I live and work in the XXXX XXXX area. 

On XX/XX/XXXX, I was notified by Citi ( my credit card issuer ) s fraud department that someone used my card to purchase a laptop for {$680.00} at the Best Buy in XXXX, XXXX ( address : XXXX XXXX XXXX XXXX ). The credit card question ends in XXXX. Here 's the timeline : At XXXX XXXX ET, I received an email from Best Buy confirming the fraudulent order. 

At XXXX XXXX ET, I received a text message alert from Citi asking me if I made a purchase of {$680.00} at Best Buy. 

At XXXX XXXX ET, I replied to Citi that I did not authorize the charge ( screenshot attached ). 

At XXXX XXXX  ET, I received an email from Best Buy confirming that the product has been picked up. 

Since the perpetrator does not have my ID, she put in her name in addition to mine as the person who would pick up the order in store. I have attached copies of the two emails that contain the perpetrator 's name, XXXX XXXX. 

I received a document from Citi ( file number : XXXX ; attached ). Page 4 of the Citi document states that the purchase was conducted by IP address XXXX. This is a XXXX XXXX, XXXX   address. 

I have also attached evidence showing that I was physically in XXXX XXXX XXXX on XX/XX/XXXX. 

The evidence is abundant that I did not authorize this purchase. I was physically in XXXX  on XX/XX/XXXX, not in XXXX XXXX. I do not know anyone in XXXX XXXX, nor have I ever been there. 

However, on XX/XX/XXXX I received a letter from Citi stating that I am responsible for the FRAUDULENT purchase and billed me for {$680.00}. The letter is attached. 

This is an outrageous conclusion. I am requesting that the {$680.00} charge on my credit be reversed.
Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.
I was offered a retention bonus of XXXX membership rewards points in XX/XX/XXXX. They never posted. After calling in several times over the course of XXXX months, and several guarantees that the points would post they never did. All of the conversations were recorded by American Express. American Express lied to me on several occasions saying that the points would post " in a week.. '' or assuring me the points would " post soon ''. They XXXX told me 8-10 weeks, and at the 10 week mark I called in and was told 4 more weeks. At the 14 week mark I called in and was told 4-8 more weeks. The result of this caused me to lose out on an annual fee refund if I closed the card instead of accepting the retention bonus. The total resulted damages from the non-refund was XXXX {$250.00}.
I paid three companies from my personal line of credit that I need the bank to look into. XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.These companies took my money and did not render me one bit of service.This just happened in the middle of XX/XX/2017.Do I not have any dispute XXXXights.The bank needs to look into this for me, I know I must have rights.When a company takes this kind of money from people you would expect to get what you paid for.Wells Fargo should take a close look at these companies. Im hoping Wells Fargo would look into this for me as i was rendered no services at all from any of these companies.
Experian continues to report XXXX XXXX University for a debt that was settled for less than amount owed. I was informed through the settlement that the account would no longer be reported, however, Experian continues to add it in my report. XXXX XXXX is not reporting this on a monthly basis. The account is settled and should be removed from my credit report.
My data was affected in the Equifax data breach. I 've attempted to put a security freeze request with them, only to face a busy signal when attempting to call, and a " System currently unavailable - Error 500 '' error on their website when attempting to do this online. A similar error is given when attempting to place a 90 day fraud alert on my file. I 've attempted to do this for several days in a row, being met with the same end result. If I 'm unable to even respond in a proactive manner to this breach once realizing I 've been affected, I 'm left vulnerable to the devices of whomever has stolen my data. This is unacceptable.