WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a CapitalOne XXXX XXXX in XXXX. CapitalOne claimed fraudulent activity and put a restriction on the account. Since CapitalOne did not have sense to change the account and send a replacement like other reputable credit card companies, I requested this myself. The account was changed but I never received the replacement card. CapitalOne 's " customer service '' is horrific and I wrote several letters with no response, i.e., XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I have never had a late payment and my balance was well below the credit limit when I called on XXXX/XXXX/XXXX and was transferred to the fraud department. I lost the phone connection while on a long hold with a woman claiming to be a supervisor. Thereafter, I received a call from XXXX from a monster of man who repeatedly refused to give his name. He falsely claimed I was supposed to give the source of deposits in XXXX. This is ridiculous, there were no deposits and this a credit card, not a bank account. No request for a source of any kind was ever made. This monster then said then he was closing the account and I would receive a letter with no reason given for the closing account. The letter dated the same the same day, XXXX is also nameless and does not give a specific reason for closing the account.
This is a complaint against LendingClub, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
I was contacted and told that I would be sued and arrested  if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
I applied for a loan modification due to financial hardship and was denied. I had to call to get the reasoning for the denial as their so called personal representative that is assigned to me never returns my calls or responds to emails or answers the phone. The rep on the phone stated I was denied because I was not yet two months late only two day s from being such. They offered to apply my behind payments to the next 6 months payments. But If I am not able to make the regular payments, what makes them think I can make this payment. I really wanted the payment lowered and the MI insurance taken off the loan so that I can afford the payment.
I attended school at XXXX College, SC, in XX/XX/XXXX-XX/XX/XXXX. I received a XXXX scholarship in the amount of {$7500.00}, and the remaining balance of the tuition was paid for by the good graces of my parents. They paid around {$7500.00} of their own money to cover the remaining tuition. 9 years later, in XX/XX/XXXX, I received a notice from debt collector, XXXX XXXX, explaining that I needed to begin paying my loan off or I would be sent to collections. They made threats, saying my credit score would be effected, and that they would start garnishing my wages. They harassed me so often that year, that I began paying them in XX/XX/XXXX or XX/XX/XXXX. $ XXXX.month, for a " rehabilitation '' period of 9 months. Well, i paid them until XX/XX/XXXX, when I felt suddenly something was very wrong with this " loan ''. Sure enough, when i requested a promissory note, they never sent me one. Multiple times. Nothing. I also never received any formal documentation in the mail, not once. I then stopped making payments after XX/XX/XXXX. Then, suddenly, in XX/XX/XXXX, I began receiving calls from XXXX ( XXXX XXXX XXXX ). They too were making threats of wage garnishments and credit hits. I asked them what loan they were even talking about, and they said that I took out a loan from Wells Fargo. I then told them that no, I did not ever take a loan out for school at XXXX College, that i was on baseball scholarship, and my parents paid for the rest of the tuition with their own money. They told me that they dont know anything other than " well, it may have been a small loan, maybe for books or something, and that 's maybe why I do n't remember it ''. Not knowing if any of this was true, I refused to pay them and asked them to put me on the Do Not Call List. The calls persisted, and I asked them again several times from XX/XX/XXXX- XX/XX/XXXX to put me on the do not call list. The gentlemen on the other end of the line had a nasty attitude. He spoke down to me, as if I was a bad person for not paying my loans. Finally, beginning in this month, XX/XX/XXXX, I no longer received any calls. However, my credit has been ruined, I 've paid them $ 400+, and I still do n't have a promissory note ( because it does n't exist ). 
It is my belief that Wells Fargo forged this account without my, or my parents knowledge. I never have set foot in a Wells Fargo in my life, nor has myself or my parents ever banked with Wells Fargo. I am seeking advice/ legal/ financial restitution for this fraudulent act against myself. I believe this is the tip of the iceberg, as I am currently investigating yet another loan, this one through XXXX XXXX.
I constantly monitor my credit with   XXXX   XXXX  .   XXXX   XXXX    always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down  XXXX  points.
I was making my regular monthly minimum payments to Cabela 's and Cabela 's sold my account to Capital One. My minimum payments rose to over {$500.00} and I couldn't afford to pay that much. My balance was {$8000.00}. After several attempts to get Capital One to work with me, they refused and closed my account, sending it to a collection agency, XXXX XXXX XXXX , XXXX. My on-line access was closed so I am unable to login to print out my monthly payment history. I am an on-time payer and a XXXX XXXX contract employee.
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX
Equifax ( not sure where they get their info from ) had my legal name as " XXXX '' XXXX and not XXXX, so I noticed this and called to correct it, quick fix and it was all correct. then all of a sudden with this info a new entry to my credit profile was added, a collections, a FRAUD collections. So I called up, explained the situation, they said they would mark is as fraud to have it removed, Ok great. Then I get a letter in the mail stating the item was VERIFIED ... .. I called today to ask how that's possible and was told " They said it was valid '' sooooooo the Fraud that was put on my profile THOSE PEOPLE said it was valid and Equifax believed them '?? '? This would be funny if it were not true. So anyone can place an almost {$40000.00} entry to your credit profile and it can not come off unless the scammers agree you don't owe it '?? LOL Equifax 's " Investigation '' is literally them asking the Fraud " is this his '' they say YES " ok we believe you '' On what planet is that an " investigation '' '? I offered to get a police report they said " The Creditor would still have to agree to remove it '' This is holding my credit hostage to get $ XXXX from me and Equifax is assisting in the fraud and should be charged with fraud. FYI my credit score was over 800 before this and is now XXXX so I WILL be looking for damages to my financial well being if this is not corrected in 30 days of this complaint
On on around XX/XX/2018, I contacted XXXX XXXX XXXX  to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX XXXX  that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX XXXX. When I contacted XXXX   XXXX XXXX in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XX/XX/XXXX on a card that was paid off in XX/XX/XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX XXXX on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.
Hello, this in reference to the XXXX XXXX XXXX XXXX the account was opened on XX/XX/XXXX. Portfolio Recovery started reporting it on my credit on XX/XX/XXXX. I sent them a letter requesting them to validate it they sent me an old bill but didn't even have a signature attatched to it. I looked it up on my states website and they aren't authorized to collect in my state their license expired in XX/XX/XXXX.
PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.
i close my account XX/XX/2017 and still active i pay remaning balance and account still active promise account close after pay and reverase my overdraft and account not close still active XXXX bank not close and nowaprt huntington bank still active my account
XXXX XXXX XXXX ( CCS ), as reported to the credit reporting agency that I have a debt with XXXX XXXX. CCS has not provided any documentation to support their credit action. I have had no written communication from CCS that verify a debt owed, and in fact we have written evidence that no debt is owed. CCS has reported to XXXX without cause. I have no evidence of any debt with my current personal insurance company. 

I am a current insured of XXXX. I have contacted XXXX 's agent XXXX XXXX of XXXX XXXX XXXX in XXXX CA ( see attached ) to research any outstanding debt that I may have. She returned that based on her research of all policies I have had with XXXX that I have no debt. 

I provided the email to XXXX. XXXX returns with a simple reply that the debt has been verified. However, no one have provided any proof that I owe anything. And, I have a written statement from a XXXX Agent that I don't owe them anything. 

The lack of evidence by CCS and the unwillingness of XXXX  to insist that CCS provide documents to prove a debt infers fraud. We would like this absence of transparency to be handled by your firm.
I have discovered that my personal information was part of the recent hack ( XXXX-XXXX 2017 ) on Equifax 's servers. 

I have contacted all three credit reporting agencies to place both a freeze and a fraud report on my accounts. 

It troubles me that I had to pay for the freezes to be placed on the accounts, given that Equifax does NOT have the greatest reputation concerning its training and security. The inappropriate use of my data should fall squarely on the shoulders of Equifax.
I logged into my account on XX/XX/2018, and received a notification that my account was closed. 

I received a letter in the mail on XX/XX/2018. Here is what it states : -- -- Dear " Customer Name '' : Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. 

This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared. 

Sincerely, XXXX XXXX XXXX, XXXX. 

-- - With all accounts being paid in full each month and only utilizing one percent or less of my total credit card limit, this risk evaluation does not make sense. The Wells Fargo credit card I used had a {$0.00} balance. I was even told by a representative that the account was going to collections. How can an account go to collections with a {$0.00} balance? A bank should be able to tell its customer a specific reason on why the account was closed.
XX/XX/18 - I received a 'replacement ' store credit card from JCPenney . But it was not a replacement card - it was a MasterCard. When I called to ask why I was sent this, they said that I did not respond to an earlier solicitation of the card. 

So since I didn't respond they assumed that I wanted the card? 

All they concluded was that they would make a note that I didn't want the card and that I am to shred it.
XX/XX/XXXX : Paid my lease as agreed. 
XX/XX/XXXX : Acquired a new car and the dealership took my leased car as part of the transaction. Lost posession of this car. 
XX/XX/XXXX Lexus Financial services cashed the payoff check. 
XX/XX/XXXX received statements. On both occassions, I was told by the Lexus Financial representative not to pay the statements and ignore them. 
I was reported to the Credit Bureau. I have not had a single late payment in 33 years, including XXXX cars I bought from Lexus Financial Services. 
I spoke with the dispute representative which refuses to admit any wrong doing. 
My credit score now will affect by business and my partners as I can not take advantage of a good credit score, being Lexus Financial Services the only responsible account which they refuse to correct. 
I have always paid all my bills on time and responsibly.
( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.
XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.
" " '' I have disputed this collection on this XXXX XXXX for months. XXXX and XXXX have deleted them but XXXX is refusing too. 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.
Between XXXX XXXX,2017 and XXXX XXXX,2017 Equifax removed XXXX XXXX XXXX collection  account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts. I recently submitted a complaint and Equifax was very deceiving stating nothing was ever removed from my credit file but I have proof that says other wise. Once again I am asking that everything that was previously removed be re-removed and not added back or I will seek legal action.