WillisBack/dataset-financial-user-claim huggingface dataset:
I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # Dept Of Education/Nelnet All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to XXXX as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Portfolio Recovery a debt collection agency is reporting a debt that is over 5 years old and needs to be removed. They keep updating and changing the date to make it look newer than it is. XXXX XXXX was for a retail credit card opened up in 2012 and needs to be removed. 

I've been addressing this for over five years.
I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.
XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.
XXXX from XXXX XXXX XXXX based out of XXXX MI attempted to collect {$71.00} from what she said was money owed from XXXX XXXX XXXX dates included were XX/XX/2014 for {$21.00} ,XX/XX/2014 for {$25.00}, and XX/XX/2014 {$25.00}. 

I have contacted XXXX hospital financial Dept, XXXX XXXX XXXX, and XXXX health which is the company owns XXXX. All explained to me that I did not have any outstanding balances and reported to me that I do not have any debt in collections from them. 

I strongly feel this is a scam and needs further investigation to avoid others who may be victimized from this scam. 

If you have any further questions or concerns please feel free to contact me.
I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.
My wife has a credit card account with Citibank. Citibank is reporting to the credit bureaus as if this account is a joint account and reporting it as my debt also. I have never agreed to pay this debt. I did not apply for this account. My wife has called and demanded they remove me multiple times. They remove me then shortly after that, they report the account to the credit bureaus as a joint account again. They continuously say they wo n't speak to me since it is n't my account, but report it against my credit report. They have told my wife multiple times that this is " their policy ''. I do not think their " policy '' is allowed to supersede the law. I want it removed from my name permanently.
I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.
Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date
On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for me.
I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Armor Systems Corporation sent notice to me on XX/XX/XXXX that a debt for an unpaid ticket issued by the XXXX Police Department had been assigned to them and they were attempting to collect. They did not advise what this debt was about. I had to research the debt with the help of the XXXX Police Department, which revealed that this debt was for a XXXX XXXX XXXX that is owned by an ex-girlfriend. I had completed the paperwork months before this to take my name off this vehicles title and registration. Notice of this debt triggered legal action against my ex to rectify the title and registration issues. My ex confirmed that this was her debt and that she had contacted Armor Systems Corporation to both pay and reassign the debt to her. Meanwhile, onXX/XX/XXXX, I sent a certified letter advising I was formally disputing the debt and requesting a formal response within 15 business days of my letter. Armor Systems Corporation did not respond to this dispute and did not reassign the debt. They sent notification on XX/XX/XXXX that the debt was paid. They have not provided any rectification for the assignment of the debt to me or even a response to my dispute.
I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted XXXX several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with XXXX repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted XXXX so many times to address the situation and it has n't been address.. I was advised by a XXXX US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX- ( XXXX ) XX/XX/XXXXXXXX XXXX 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 ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact MarkOne as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
Equifax has indicated that the account is set to closed, and it is not. 

This is at least, the 4th complaint regarding the closure of a tradeline in my credit report. 
In complaint XXXX, EQ indicated that the account was closed, but it is not. I believe this is willful violation, because reasonable and then exceptional proof has been supplied to thic CRA - and with no reasonable action taken on their part. 

The activity Designator, still - has the NA value when it should not. This account was closed by me - months ago. 

Another sample of a " Closed '' account, from my report - with the corrrect designator is supplied. 

N/A, means not applicable -For this field, all tradelines that are not open, then requires this field to be applicable. 
My Credit report from Today, XXXX XXXX is attached, as well as the original screen shots from the 1st, 2nd, 3rd and now fourth complaint. 

Please close the account, and please correct the Activity designator to " CLOSED '' - Willfully violate obligations under the FCRA, ( Basic Damages or actual ( provable ) damages ( no limit ), or statutory damages ) Complaint # 4
I can't close account or make payment on the balance or anything. There is nobody to contact. I want this account closed.
TransUnion continually decreases my credit score unfairly and practices deceitful trade practices. 
I have paid off a car loan and financed another vehicle. However, TransUnion shows the previous car loan as " closed '' instead of " paid out '' causing points taken from my excellent credit score. There are inquiries that were not made and should have fallen off. Lastly, when I use my credit cards and pay them off within 30 days, drastic points are deducted from my credit file for small purchases -- meaning I have a very high amount available but may use {$70.00} out of a {$5000.00} line of credit. TransUnion has continually negatively affected my excellent credit score with prejudice and inaccurate information.
Equifax did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.
I recently printed a credit report and as I was looking at the statement, i noticed some that were not mine. there were XXXX debts that ended up as collections that i do not remember having.
I opened a XXXX account with Citibank on XXXX XXXX, 2015 to take advantage of a promotion -- fund the account with {$15000.00} and perform XXXX billpays for the first two months and receive XXXX Citi XXXX points. When I opened the account, I downloaded a copy of the " Promotion Disclosure '' ( attached ), which stated " [ t ] his offer is available to targeted Citi cardmembers who receive this communication and who have an existing ThankYou Member Account associated with their Citi credit card. '' I fulfilled the terms of the promotion, but Citi refused to honor it and award me XXXX Points. Citi says that I was not targeted for the promotion. But the terms of the promotion I printed out indicate that I was targeted as I received the communication of the promotion 's terms and printed them out. If Citi 's argument is that I needed a personal invitation to the offer, it certainly is a sophisticated enough entity to send out promotion codes that are unique to certain individuals. Instead, Citi purposefully used a generic promotion code that could be used by anyone. Citi then confirmed that I was eligible for the promotion and induced me to place {$15000.00} with them for months and incur several {$30.00} account fees, without honoring the promotion. 
I believe Citi should honor the promotion and award XXXX points to my account. Thank you.
I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XX/XX/2018, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.
In XX/XX/XXXX of this year, I completed my Chapter XXXX bankruptcy. Being a single mother, it was a struggle but at the end of it all, I was proud of myself that I fulfilled all the conditions and still had a roof over my head for my son and me. However, in XX/XX/XXXX I began the process of refinancing my home and in doing so, discovered I was behind 3 months on my mortgage payments. This was news to me as I had NEVER received any type of notification, nor phone call ; nothing, to advise me that I was behind! While on a three way call with my mortgage consultant on XX/XX/XXXX, the Ditech representative told me a letter was sent to my lawyer regarding the changes to my account in XX/XX/XXXX. As I reviewed the letter I noticed I was not CC 'd on it. What if my lawyer was sick, what if it went to the wrong address? Lots of what ifs but should n't I have been contacted????? The payments went up from {$820.00} to {$1100.00}!! That is {XXXX}!! It may not seem like a lot but raising a child on my own, I have to count EVERY PENNY and this just killed me!! Then I was told that to not have it reported to credit, I needed to pay {$3200.00} to stay current! It took me 5 years to build my credit in hopes to have some freedom and now, to save my credit, I had to take out money from my 401k to cover those " late payments ''. Even after the fact, not one letter, phone call, nothing to advise me that I was behind!!!!! This not only ruined my hopes of building something better for my son and I but it has damaged my credit, ruined any chance of getting a refi for a year, etc. If I would have known about these changes, I would have paid the correct amount and saved myself this problem. Now, they wont do anything to help me!! In looking at my statements, nothing shows that my payment went up!! I asked why I was not contacted and they said it would be considered soliciting. Funny how other companies dont have a problem calling. I sent an email to my bankruptcy lawyer on XX/XX/XXXX asking for advice but have not heard anything. 
All I ask is that they take into consideration why the full amount was not paid because Lord knows if I would have known, I would have paid the correct amount. If they could reverse the negative impact on my credit score and note that the mortgage payment would have been paid on time ( if I knew about it ) I would be ok but it just floors me that not one phone call nor mailed document was sent to me to prevent this from happening!!! Now, I have to wait a year to refinance because Ditech shows me as being 3 months behind on payments. Almost {$1200.00} to pay my mortgage with no accessibility of getting that adjusted due to THEIR error!! I can barely make it as it is and now they can pretty much do what they want because they have me locked in again!! Its simply not fair!!!!! They should not be allowed to do this!!!
We had a loan with XXXX and did a modification loan XXXX of XXXX. It was finalized in XXXX and our new payments started XXXX XXXX. At the same time they sold our loan to Carrington who took over 12 months to acknowledge the legal agreement. We have made all our payments at the new rate through automatic payments from our bank. They are saying we owe over {$7500.00} and keep refusing our payment, but only at their discretion. They are threatening to foreclose, but I have provided them with bank statements verifying all the payments are current and they refuse to respond. In short they now recognize the modification, but are not correcting the misapplied funds or even explaining where the funds are located. They are deliberately dragging their feet in responding to calls and written requests. This company is dishonest and should be reviewed and afterwards be fined and/or shut down. I believe outside legal services is a must in helping to resolve this ridiculous issue that was created and continuing by Carrington. This company needs to be investigated for misconduct and unethical/illegal l practices.
I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.
This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.
Loan was signed for by someone else in XXXX. I was given keys to property even though my signature, nor lender, nor sellers signature appears do not appear on the final paperwork. I was unaware it was never completed until XXXX. I have tried many times to resolve with OCWEN. But they are not who had the original debt, they acquired it. 

I have been victim of ID theft more than 3 times since age XXXX. I have filed police reports and attempted to fix credit reports over the years. I have lost my wallet and/or ID twice this year alone. 
I filed paperwork with FTC recently when found out about new laws. Sent required papers to company for them to contact original debt holders ; where they obtained the information regarding the original debt per the law and instead they sent me papers asking for a copy of my signed social security card, and an notarized affidavit. Additionally they requested that I not send the form to the FTC or any governmental agency. 

Also I filed bankruptcy to try to get them to stop putting this erroneous info on my reports. They sent me information saying I had no personal liability if I filed bankruptcy. However, they still try and collect a debt that has NEVER been mine and that has ruined my credit!
I never gave authorization for this inquiries, and have attempted to get them removed multiple times to no answer, or forward progress XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXXTransUnion XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX   XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion