WillisBack/dataset-financial-user-claim huggingface dataset:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci
XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.
On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.
Equifax 's data breach, ending in XXXX XXXX, was not announced till XXXX with no remedial action for individuals unless opted-in. Instead, I can only check if I was a victim ( I was ) by waiving my right to participate in legal action ( only later clarified not to be the case after the NY Attorney General requested clarification publicly ). Furthermore, the identity protection offered as compensation ( which was not clarified to have included waiving right to participate in class action ) lasts only one year whereas the fraud can be committed as long as the information stolen are valid. 

The massive delay between response, not to mention the Equifax CFO and other executives selling unscheduled shares, only indicates unwillingness to shoulder responsibility of data theft. Now I must place credit freeze with all credit rating agency at my own expense, freezes that I must now maintain for life as the data stolen only expires after my XXXX 

Too add insult to injury, Equifax 's security freeze can be unfrozen with a 10 digit pin - generated based on the date and year when the freeze was submitted. If I submitted a freeze on XXXX XXXX, XXXX, my pin will be XXXX. Given the rush to protect one 's credit, I am certain a four digit combination is n't enough to protect the 143 million affected.
I disputed information on my credit report. The results of the investigation came back verified. I then requested verification of whatever documentation was used to verify the accounts and public records that do not belong to me. I was told by a rep and that rep 's supervisor that the accounts and public records were verified electronically and there was n't any documentation to send me. The FRCA tells me that they are required to provide proof of those documentation upon request or delete the accounts and/or records from my file. They have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or they can not verify any of those accounts and/or records and under Section  611  (  5  ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the  Civil  liability and the remedy available to me for? negligent noncompliance?  ( Section 617 )  if they fail to comply with this  Federal Law.  I need more than just the creditor electronically verifying the accounts. I need to know how they verified them, and that means more than just taking the creditor 's word or reliance on some " signed agreement '' with the creditors to report accurate information. I need tangible proof that these accounts were verified.
I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX     XXXX   Inquiry : XX/XX/XXXX   XXXX  Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry : XX/XX/XXXX  XXXX   XXXX   XXXX  Inquiry : XX/XX/XXXX ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX  balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.
Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?
I WAS CHARGED ON MY AMERICAN EXPRESS GOLD DELTA SKYMILES CARD ENDING IN XXXX ON XX/XX/12 FROM A COMPANY CALLED THE XXXX XXXX FOR {$1900.00} AND I HAVE NO IDEA WHO THIS COMPANY IS AND NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED AMERICAN EXPRESS AS SOON AS I SAW THIS ON MY STATEMENT AND REPORTED THIS AS A FRAUD AND THEY TOLD ME THAT I WOULD GET THE CREDIT ON MY CARD AND I NEVER DID. THIS HAS BEEN AN ONGOING PROBLEM THAT THEY NEVER REFUNDED ME MY MONEY THAT WAS TAKEN FROM MY CREDIT CARD ACCOUNT. I AM NOW REACHING OUT TO YOU TO HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE AND THIS JUST ISNT RIGHT. I LIVE ON A FIXED INCOME AND I WANT MY MONEY BACK I NEED MY MONEY BACK. I AM A SENIOR CITIZEN. THIS CREDIT CARD COMPANY HAS BEEN SO MEAN AND NASTY TO ME IN THE PROCESS OF ALL THIS AND THEY SHOULD NOT TREAT THERE CLIENTS THIS WAY. PLEASE HELP ME..
I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Experian failed to abide by Section XXXX, XXXX, and XXXX
I am a XXXX veteran and unemployed. My medical care is 100 % covered through the Veterans Administration. If I go to a veterans hospital it is not a problem. If taken to a non-va hospital, the hospital must contact the va for payment - which i have never had a problem with. 

On XX/XX/2016 I was taken to XXXX XXXX in XXXX to have blood sugar tested. I never got to intake at the hospital but a nurse did come out to test my blood with a glucometer. I was fine and left. 

I never received a bill. I figured they sent it directly to va IF there even was a bill. 

Over two years later Medical Business Bureau XXXX has made claim that I owe TWO bills for the single visit. {$450.00} and {$320.00}. 

1. Either and especially both are absurd. I was never intaked at the hospital. EVEN if I would have been, any glucose test is not that high and even if it were, it would be paid by va at a rate agreed between hospitals. 

2. I informed XXXX XXXX and now Medical Business Bureau to send bill to VA or send me correspondence and I would give it to VA. To date they have responded only by making two fraudulent claims for treatment ( which at best should only be one ) and putting both on my credit report indicating i have two medical bills in collections. 

3. Unlike other insurance i can not simply pay it and get a refund from VA. They must submit it to the VA for payment. I have zero control of the matter and it is the VA 's bill to pay.
On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.
I have had this Capital One credit account for 17 years and 3 months. It is the oldest account on my credit report. I have called numerous times over the past three years requesting that they send me a new card so that I can utilize it. With no response by mail or phone, I have still not received the card. Today ( XX/XX/XXXX ) when checking my account I have noticed that they had cancelled my account. I promptly called and asked why my account had been closed. They stated that I have not used my account for 36 months and that they have closed the account on ( XX/XX/XXXX ). I asked how I was able to use the account when I have not received the replacement card that I have requested. They admittingly said that they had sent mail to a different address but not the one that was currently on my account and received returned mail. I asked if they could just send me a new card at this point and reopen the account since it was an error on their behalf. Granted I had not received a letter of account closure and I had called only three days since they closed the account. They stated that they could not because of the fact that the account has had no activity. At this point, I am confused about why this is my fault or issues when there was an obvious mistake on their part. I also do not want my credit score to be affected being that it is the oldest card in my history. I am very prideful in my credit score that I have attained and would like to continue to retain it.
I have a XXXX XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX  years old I only have XXXX  child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16  years. I deserve a XXXX  break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX  years old and she is going to be XXXX this year.

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.
Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage.   We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.
I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. 
XXXX ),
A double payment was made to my credit card account in the amount of the outstanding balance resulting in a negative balance. The company was contacted to request refund of balance. I was originally quoted 14 business days for return of payment. After discussion, 3-5 business days was quoted if I could provide proof of the double payments clearing my bank account. Proof was sent within 1 hour of request and the fax was transmitted successfully. 5 business days later, I called and was told that the refund would be sent after 8 business days following the original request. After further questioning, the company agreed to expedite the process, approving payment within 24 to 48 hours ( from the call on the 5th business day ) plus 1 business day for transmittal of payment and then 3-5 business days for my bank to credit the refund. 
In all cases, this will result in refund beyond the requirement within the Truth in Lending Act ( specifically 12 CFR 226.11.a.2 ) to return excess payment WITHIN 7 business days. The credit card company quoted another regulation ( although could n't give me the specific code ) stating they have 7 business days to determine if a refund should be issued. If this is a different interpretation of the same federal code, I feel they are interpreting it incorrectly and to their financial advantage. 
They claim they need to verify the payment has cleared, however, there is a double standard that comes to light. They say they do n't know if the payment has cleared my bank account so they ca n't refund it yet. However, they have no problem showing the payment as credited to my credit card account, presumably before it has cleared my bank account. They ca n't have this both ways. Either it has cleared my bank account or not. If it has, they can credit my credit card account with the payment, if not, they must wait. Therefore, if it is credited to my credit card account, they should be able to issue a refund immediately.
My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.
XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.
I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.
There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : XXXX.
This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

XXXX
The number of times missed which is being submitted on my credit report appears inaccurate and or misleading.