WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.
I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.
A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. 
It would be greatly appreciated if you all could assist me in resolving this matter.
I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.
I was just reviewing my credit score and noticed four unknown credit inquiries. Three occurred on the day that I purchased a new vehicle, however XXXX XXXX is reporting an inquiry on XXXX XXXX, 2017 via XXXX. On this date, I was still just visiting different dealerships. I can confirm this because I took pictures while at XXXX XXXX and the date lines up with this credit inquiry. I specifically told the car salesman that I did not want to have my credit ran. I never gave any authorization neither did I provide my social security. More so, they never mentioned that they even ran it so I had no idea until now. When the sales person could not get the car I was interested in down to the price that I wanted, he attempted to convince me that another in a different color would be just as good but I assured him color mattered and I would not be leaving without it. Unfortunately, they still kept me there for hours by insisting that his manager wanted to speak with me, all while holding on to my drivers license. When I finally got it back, he said maybe we can try again that weekend. I never went back.
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
I received notice of a collection from XX/XX/2012. I have since paid the debt in full. When I asked for proof of debt I received a form with a man forged signature and the witness signature was also forged and even dated wrong. I asked them to remove the collection from the XXXX credit bureaus and their response was yes. They stated that they would contact XXXX and have it removed. This was several months ago and it still remains on my credit report.
A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit
I have been a Lowes credit card holder since XX/XX/XXXX and have paid my bill on time every month since then. A few months ago, checks were stolen from my bank account, so that account was closed and re-opened with a different account number. When I went to pay my Lowes account, I used the bank account information that was stored, however, it was the old account number so it was returened. However, I paid the amount due as soon as I realized this was the case. Lowes did not notify me this had happened. The following month, I went to pay my Lowes account with what I thought was the updated account, however they had not updated the account number and had the previous account information stored, so it was returned again. Again, I was not notified by the company, only when I checked my account did I notice that it had not been paid. Again, I promptly paid the payment due. Today, I went to check this account to make sure the account was updated or deleted for the next pay cycle and there was a note on my account saying that it was closed due to returned payments. Once again, I received no notification from Lowes that my account was closed.
I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.
ISSUE : 1. Chase bank without authorization opened an impound/escrow account alleging that they received notice by the XXXX XXXX Tax Collector that my property taxes were delinquent AND CLAIMS TO HAVE PAID MY TAXES. ( NO SUCH NOTICE OCCURRED BY THE XXXX TAX COLLECTOR- I contacted them and confirmed a. that NEVER were taxes late b. They stated they would n't send such a notice to the LENDER if they had been and XXXX Confirmed MY checks received ON TIME/check numbers -XXXX Tax Coll AFFIRMS pmnts were made on time and in full ) 2. Chase claims to have paid my property taxes that they claim were late. 3. Ensuing mortgage bills included impound charges and late fees- I continued to pay IN FULL, as always and without exception, my regular principle and interest payment in full, on time, every month ( I DID NOT PAY THE ADDITIONAL BALANCES CHASE STATED I OWED PER THEIR ERROR ). 4. Chase now claims that my account is in deficiency, has adversely reported to Credit bureaus, and threatens foreclosure. 
FACTS INDISPUTABLE : My credit is over XXXX, perfect, flawless. I CROSS VERIFIED /CONFIRMED with my bank and with the XXXX XXXX Tax Collector the XXXX 1. my taxes were never late and PAID IN FULL ON TIME copies of checks verified XXXX. 2. XXXX Tax Coll NEVER received pmnt from Chase as claimed by chase, 3.. there is NO surplus balance reflecing on my XXXX Tax bill ( source : XXXX Tax Coll ) reflecting double pmnt 4.. XXXX has verified MY CHECKS by check number as the pmnts received cross ref w my bank- XXXX NEVER received Chase check as chase alleges. 
CURRENT STATUS : 1. I have contacted chase at least 8+ times over 8+ weeks, most calls over 1hour+ and they have NOT resolved the problem or damage to my credit and account- although they have acknowledged the mess ( only more recently ) not fixed it, nor have the corrected my billing statements- 2. I continue to pay the CORRECT amount of principle/interest monthly payment in full and on time every month. 3. I am being damaged professionally and personally because I now have adverse credit- Including IMMEDIATE urgency to purchase/rent property transaction where credit check is part of qualification - due to my credit damage to this negligence by chase and poss fraud, my life is upside down. THEY ARE HORRIBLE, HAVE NOW ADMITTED FAULT BUT STILL ARE NOT CORRECTING THE ISSUE.
I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. 
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! 
They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! 
They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... 
They stole my XXXX sign up bonus points between both accounts!!!!!
I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX
Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.
According to section609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. 
An incomplete account number was reported. 
There are missing fields of data from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX of the balance, scheduled payments, past due and remarks. 
Inaccurate date account was closed, the summary on credit report states XX/XX/XXXX and the remarks on the same credit report states XXXX XX/XX/XXXX. 
Late payments fees applied to the account after the account was closed. 

I sent my first letter to XXXX/WALMART disputing the inaccurate information stated above on XX/XX/XXXX via certified mail, WALMART signed that they received letter on XX/XX/XXXX. They violated federal and state laws by NOT responding in a timely manner ( 31 days ), not providing viable evidence bearing my signature.
I spoke directly with the finance company to explain the current economic situation due to a bankruptcy that was happening and they helped me and they made an extension so that my credit would not be affected so that I could repair my credit and they still put late payments on me. credit and that made it go down more than ten points and it's not fair because I talked to them and they said k would not affect me.
Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years
The most recent contact with XXXX XXXX ( Care Credit ) and XXXX was today, XX/XX/XXXX. This is in reference to account # XXXX. Since XX/XX/XXXX, I have been in contact with XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX about requesting to have the information related to this account removed from my credit report. 

My first concern was about the information on my credit report : it was never updated to show the balance was satisfied by either Synchrony or XXXX. XXXX has been agreeable and helpful. Synchrony has not. 

The debt itself is not the issue and I am not alone in this country as someone who has suffered financially. I was going through extreme financial hardships in XXXX and was unable to pay even the minimum balance on the care credit card. However, I paid the debt IN FULL as soon as I was able and paid it directly to XXXX XXXX XXXX ( the account was sold to them by Synchrony ). 

My issue is the total debt was less than {$1500.00} and Synchrony refuses to treat collections on a case-by-case basis. My debt was compared to that of being in default with a mortgage -- that is ridiculous. I find this incredibly unfair and an unrealistic approach to resolving account issues. Synchrony also explained that charge offs will deter lenders from approving future loans. This sounds like Synchrony enjoys controlling the goals we try to achieve. I find it disgusting that a company refuses to acknowledge that people go through tough times but not all of us CONTINUE to go through tough times and work extremely hard to pull out of those tough times. If a > {$1500.00} debt will hold me back from buying a house or buying a car or asking for a student loan to further my education, I think that speaks volumes of Synchrony and their lack of support for people to want better and be better. The truth is : not all debt is the same.

I am asking again for the account related to XXXX XXXX ( Care Credit ) be removed from my credit report and I hope Synchrony will be open to revising their policies on deleting charge offs from credit reports.
In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Today I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ca . ( Re : XXXX XXXX XXXX vs XXXX XXXX ) informing me that I owe {$2600.00} to the XXXX XXXX XXXX. When I called they informed me that it concerns a debt owed by me that went delinquent in 2005, 13 years ago. To be honest I don't even recall this debt. Can this company try to collect a debt, real or unreal after so many years? Can they hurt my current credit rating which is excellent? 
I am also wondering about the legality of this company trying to collect a supposed debt that's 13 years old. 
Kindly advise XXXX XXXX
I've been told by my point of contact XXXX XXXX # XXXX my file has been in underwriting since XX/XX/2018 and I would have a decision within 30-45 business days it is now XX/XX/2018 and still no resolution of response. I have called weekly to check on the status of the modification and I get the same response week by week there is no resolution we will escalate the issue but no response and XXXX point of contact has failed to reach out to us. We have been complaint to all of the request and would like a resolution asap. I also requested to speak manager XXXX XXXX # XXXX and he is never available to speak to according to representative. I need your help in resolving this issue. I feel they keep prolonging the decision to collect more money from me. I am more and more delinquent on my loan the longer they take to give me a resolution.
I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.